Most of my expenditure is on sustenance. Yes, I meant food. You can contribute your thoughts like Junel here. This is the story of how a little girl, me, earned 10% interest from loaning her dad her piggy bank to save money he would otherwise be spending on cigarettes and buying 4D and TOTO. Don’t get me wrong, he wasn’t a heavy smoker nor did he spend an exorbitant amount on the Singapore Pools. He probably even spent a little less than the average Singaporean on these things. Yet, we were able to save $1000 a year since 2008, and that little bit a month has amounted to $10,000 today. My dad used to spend $12 on TOTO and 4D, as well as $10 on cigarettes every week. I still remember the 4D lucky number would be our car ......