I blogged about our BTO HDB Key Collection & Door Opening Ceremony and it caused our expenses for the month to shoot up significantly.

Current Profile: 29 years couple who got married recently but staying separately with our own parents while waiting for the BTO project to be completed this year.

Our total expenses were $30,027.34! The breakdown would be as follows:

KPO Expense Fund (our common fund): $1,023.73
KPO: $16,071.79
CZM: $12,931.82
See! Watson again. lol.


Both the Loan (the next 5% downpayment) and Home Protection Scheme (HPS) were paid using our CPF OA as well as the town council Service & Conservancy Charges (S&CC) charge using NETS when we collected our keys.

Bought some packet drinks and bottled water for the contractors.

$1,360 – This is the total amount we are giving to our parents as allowance.

$1,173 – My dad’s MediShield and hospitalization premium deducted from my CPF MA. This has reduced (compared to $2,232 – Expenses – April