Monthly Savings Expenses Jan (updated) - forex trading yakuza 4

Monthly Savings Expenses Jan (updated) ~ forex trading yakuza 4

Monthly Expenses Jan 2016

Its the 2nd month of my aggressive savings
grand plan! Lets see how i did for this month.

House - $363.80 (26%)

01/01/2016		House		-200		Bills
01/01/2016		House		-10.9		Shampoo
12/01/2016		House		-20		Daiso
15/01/2016		House		-20.4		Ntuc
22/01/2016		House		-60		Ntuc
24/01/2016		House		-20		Guardian
25/01/2016		House		-18		Ntuc
28/01/2016		House		-14.5		Expensive chips

Pretty much every dollar spent on everything and every trip to the supermarket goes into this account. A funny misunderstanding between me and my wife broke out regarding the expensive bag of chips. After paying for it, i casually asked, "Whats so great about this that it cost so much? Is it really that good for baby?" My wife replied that its not for baby! Its just some chips that she bought for us to try out! What! I was all the while thinking that it was some nutritious stuff for Chloe. Arrghh thats me paying without knowing again.....ok where is the bag of expensive chips now?

Baby - $269.35 (19%)

01/01/2016		Baby		-38.00		Chloe see doctor
01/01/2016		Baby		-8.00		Baby wipes
02/01/2016		Baby		-15.00		Dutch lady milk 110mL x 12 x 4packets
16/01/2016		Baby		-24.00		Breastpads 3x8dollars
16/01/2016		Baby		-21.00		Apple melts 3x7 dollars
18/01/2016		Baby		-100.00		Ingredients for baby porridge
22/01/2016		Baby		-15.00		Dutch lady milk 110mL x 12 x 4packets
24/01/2016		Baby		-9.90		Drynights 34pc pack
24/01/2016		Baby		-2.00		Diaper wetwipes
24/01/2016		Baby		-10.20		Lacteol forte for diarrhoea
25/01/2016		Baby		-26.25		Drynights 34pc pack 3x 8.75

I am trying to work out a better way to update this section as it is increasingly difficult to ascertain what items are directly associated with baby costs as she eats the same stuff as us, uses the same stuffs as us. Its complicated. 

Eating Out - $238.17 (17%), Entertainment - $31 (2%)

The number 1 enemy for savings, i can throw out all my money saving plans if i dont work on reducing this enemy.  

Food - $209.45 (15%)

Its amazing how i spend less on food than other stuffs. Its probably due to the low cost of food at my work place. Interestingly, looking at my eating out costs, it can support me for an entire month if i dont eat out. 

Gifts - $94 (7%)

Presents for Claras 1st birthday and Ah Lans 4th birthday. Had a great time at both celebrations.

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Monthly Savings Jan 2016

52 Weeks Increasing Money Challenge

15/01/2016		Savings		$    26.50		52 weeks
22/01/2016		Savings		$    26.50		52 weeks
29/01/2016		Savings		$    26.50		52 weeks
01/01/2016		Savings		$    26.50		52weeks
08/01/2016		Savings		$    26.50		52weeks

Ever since i place this in auto transfer mode, i have no worries about the amount i have to put in as it will always point towards my goal of $1378 at the end of the year. 

Balance Transfer

04/01/2016		Savings		1.54		Balance transfer ocbc
08/01/2016		Savings		0.80		Balance transfer ocbc
18/01/2016		Savings		9.54		Balance transfer ocbc
04/01/2016		Savings		8.40		Balance transfer uob
18/01/2016		Savings		2.02		Balance transfer uob
25/01/2016		Savings		0.50		Bank transfer ocbc
25/01/2016		Savings		5.25		Bank transfer uob
04/01/2016		Savings		0.01		Interest received
31/01/2016		Savings		0.02		Interest received

The power of 1 + 1 really works here! A little here and there adds up to $28.08 saved! 

Bills - Bank charge

31/01/2016

Bills

-2.00

Bank charge

Bank charges of $2 charged for the fall below $500 amount deposited. Feb will surely see my deposit balance soar over $500 so this is definitely the last time i am seeing this. 

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