Going into the 2nd week of the Singapore "Circuit Breaker" or "CB" and lifestyle definitely has changed whether individually or as a family.

I felt this is the time to save, conserve and try to increase cash flow and savings where possible. Eating and cooking at home definitely helps and as well as cutting down on daily commute to the office. For me, I drive to office together with my wife and has a season parking as well so I saved on petrol as well as the super expensive ERP.

While I try to save on needs and necessity, I am also trying to get back whatever services I had paid for.

1) Travel/Vacation

Since early 2019, I had planned to go to Australia in the first half of 2020 and obviously, this didn't materialized.

Fortunately, I bought a family of four, annual travel insurance straight after I paid for my flights and Airbnb for...