Monthly Savings & Expenses January 2020 Cheers to 2020! Chinese New Year comes early this year in the month of January! Here's how my January expenses and savings went. Monthly Expenses January 2020 Necessity Fixed ($1007.10) - Monthly recurring expenses like Hdb loan repayment, Insurances of daughters and my parents, Utilities, Wifi & Cable TV, Handphone charges make up this list. Food & Eating Out ($376.46) - Reunion dinner, steamboats, home cooked food Transport & Taxi ($98.80) - Monthly EZ Reload top up of $40 and a few taxi trips. Groceries ($504.05) - Ntuc, diapers, milk, food for steamboat Kids ($15.20) - Still testing this category... Zyrtec solution for flu. Misc ($1,142.78) - Large portion of this category this month was for Angbao to parents, MIL, relatives. Total Expenses for January 2020: $3,144.39 Monthly Savings Jan 2020 Financial FreedomEverything Savings Account ($200.00) - This goes directly to the 'DO NOT TOUCH' account. Long Term SavingsNikko AM Singapore STI ETF ($100.00) - This one's for the long term but automation is the key. It's...