Here are my monthly financials for January 2023.

Top 3 Income Sources

Interest – S$378.98

This is interest from Trust Bank and coupon payments from SSB.

Dividends – S$300.76

This is from dividends from the STI index.

Affiliate & Referrals – S$178

I actually managed to get 9 additional sign-ups for Trust Bank. Trust Bank has a promotion where they gave an additional S$88 of vouchers if there are 8 referrals in January 2023. If you still have not signed up for a Trust Bank account, you can check out how to get the sign-up rewards here.

Top 3 Expense Sources

Allowance – S$600

This is for the top-up for my mother as she qualified for the Matched Retirement Savings Scheme.

Groceries – S$225.80

This is for groceries, mainly from NTUC as I need to use up my vouchers.

Gift – S$220

This is for the angpows I...