Saving & Spending
Expenses – December 2018
By 35 is the defining age  •  January 25, 2019
Total - S$2,863.78 Expenses came up to S$2,863.78 in Dec 2018.

Boy oh boy, it was a "decadent" month from an experiential standpoint. Flew out to Thailand and Indonesia thrice this month, and was away for 19 days. Majority of the expenses for Vacation / Diving were already front-loaded in November, given this is a cash accounting concept of expenses, so let's see what contributed to the bottom line in Dec 2018.

Largest category was Diving. This involved front loading diving expenses for a diving trip in Jan 2019 to Khao Lak, where I wanted to check out Richelieu Rock, Koh Bon and Similan Islands. Also, paid up for an add-on course module that allowed me to take on Nitrox Air in the future.

Second largest category was undoubtedly Vacation. This involved spending on accommodation and airfare to Indonesia to cross the New Year with my partner, and also for payment

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By 35 is the defining age
Picked up "The Intelligent Investor" by Benjamin Graham back when I was serving my national service when I was 18 years of age - that chapter on Mr Market was mind-blowing and opened up a whole new paradigm of investing that that shaped my investment thought process since.
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