November is one of those months when I decided to reward myself with a couple of cool toys for working hard in 2015. A delayed gratification for not splurging for the past 10 months. Net Savings rate fell to 21.5% this month. Transportation: $72.94  Commuting charges on the B.M.W (bus, MRT, walk) remained high as we enter the wetter part of the year where it rains almost every day. Food: $355.66  Food expenses stayed high this month as I wasn’t cooking as much as I used to. I also ate out more frequently during work lunches. Groceries: $28.02  Grocery expenses was still reasonably low as I continued to try and clear out my fridge. Shopping: $3579.19  Here’s the important part of this post. Remember how I wrote about delayed gratification earlier? I splurged on a new Apple iPhone 6s and a new Giant road bike this month. To ......