Previously, I had covered how I plan to budget my approximate $755 spending in credit cards for daily neccessities around Maybank Family and Friends Card.
Performance for Jan 2025
Total expenditure was $829 with $52 in cashback clocked.
Grocery Spending is High Due to Inflation
Close to my estimates, grocery remained expensive coming in at $410 per month. About $50 came from dining because F&B outlets withing supermarkets have the same MCC code of supermarket for Donki and NTUC fairprice.
Grocery expenditure will continue to form bulk of my expenses as I continue to prepare my meals to eat, drink and continue living in this world (sorry for being morbid, but harsh facts of life)
Spending Behaviour
Despite spending less on outside food, I incurred a medical cost at a government clinic, so it helped to reach the $800 minimum spending.
Front loading was done due to an Eight Telecom Mobile credits promotion where if we top up $28 in credits...