Finally after using YNAB for 1.5 yrs, I have a full set of expenditure data from Jan 2014 to Dec 2014. This is a software that enables me to track my spending to a great degree of accuracy. No faulty mental accounting nor mistakes here, so it's as good as it gets.


These are some of my expenditures:

1. Food/restaurants : $424 per month, or $14 per day ($4 per day for restaurant, $10 per day for foodcourt/hawker/coffee shops)
2. Utilities bill: $50 per month for my share, so it's about $100 household (subsidies included)
3. Clothes/shoes: $30 per month
4. Gifts/ang bao for others: $126 per month
5. Mobile phone: $42 per month
6. Household internet: $45 per month
7. Personal insurance (whole, term, disability, mortgage, h&s rider) :$470 per month
8. Car related expenses (monthly installment, fuel, road tax, maintenance all in): $345 per month


I realised ......