- Total expenses → $3,251
- Alternative income → $5,040
May survived a $1,200 hosting bill and still finished green. June’s largest expense was bigger still, and the month came in cheaper anyway. Six months into tracking this, that has stopped feeling like luck.
For those new here, my wife and I are your average Singaporean couple living in an HDB flat in Singapore. Our monthly mortgage is fully paid through CPF, so housing doesn’t show up in these numbers. I’ve been tracking every dollar we spend since 2013 using You Need A Budget (YNAB). Each month, I set our real expenses against my alternative income and answer one question.
This month’s story? The month’s biggest expense turned out to be mostly timing, the total still came in low, and six months of data finally lets me answer a question bigger than any single month: is Singapore actually expensive?
CDC vouchers was the reason for my biggest “expense” this month
Average monthly numbers for June 2026, on a trailing 12-month basis
