$$$ KPO and CZM $$$: Expenses - July 2018

Wednesday, August 15, 2018

Expenses - July 2018

This should be my last post for the month! CZM and I (together with her family) will be flying over to New Zealand this Saturday :)

Current Profile: 28 years old male planning to get married this year and is still living with his parents

You can read more about how we manage our finances here. Removing our shared expenses which come out of our mutual fund (KPO Expense Fund), my expenses for July would be $3,169.84 - ($1,943.80 / 2) = $2,197.94.

Banquet - We started making monthly installment payments to the hotel in order to avoid the lump sum pain.

ROM (Registry of Marriages) - This is important! We read horror/funny stories of how couples forgot to file a notice with ROM within the deadline. The earliest you can file is 3 months in advance and the latest you can file is 3 weeks before your wedding date. Apparently, you can check if your other half is already married, we had some fun checking our parents' anniversary and reminding them about it after all they no longer celebrate it.

Ring - Decided to engrave our wedding band.

I previously blogged about my promotion and increment - Salary - You Are Your Best Investment and it was only effective from February so I gave my parents more allowance as well.

My food expenses are exceptionally low because I stay with my parents! Most of it is incurred when I am out with CZM. This month was much higher because we manage to get hold of Burpple 1 for 1 deals and went to 2 places - Forlino and Tenkaichi Yakiniku Restaurant which cost $236.90 in total! Forlino was pretty good but we were slightly disappointed with Tenkaichi because they were already running 1 for 1 promotion even without Burpple (the difference is only drinks + ice cream) and I guess we are already over the buffet age.

I purchase a $60 for $100 voucher for The Palmary through Chope (If you use our referral link, we will get 300 Chope dollars each. 400 Chope dollars = $10 voucher OR 1,200 Chope dollars = 1,000 KrisFlyer miles!) to celebrate our 10th year anniversary. Yes, it has been a decade and CZM has been complaining that I made her wait for more than 10 years...

This is a fixed monthly cost for the basic coverage - term life and hospitalization.

Bought FWD travel insurance for our USA honeymoon.

I would always pay for CZM's cab ride home during night time since I am too lazy to send her home. That was one of our agreement. lol. EZ Link expenses were much higher this month which was probably due to the wedding preparation, hence we have been commuting a lot more apart from work.

Public transportation seems a lot lower because of 2 reasons:
1. I am no longer using EZ Link Auto-Reload. Account-Based Ticketing (ABT) is a much better choice as you pay what you use instead of triggering top up where the money is stored in the EZ Link card. The best part is miles can be earned too (using UOB PRVI Mastercard)!
2. $0.50 Discount for commuters who enter stations before 7.45am on weekdays.

The $69.97 is the installment for Surface Pro which I got about 2 years back. I bought black hairspray because I needed to go back to the army camp for a low key reservice.

Others (Treat, House, and Entertainment)
Nothing worth mentioning.

January 2018 - $2,256.43
February 2018 - $1,759.01
March 2018 - $5,049.79
April 2018 - $1,572.54
May 2018 - $1,863.74
June 2018 - $2,282.07
July 2018 - $2,197.94

Total expenses for 2018: $16,981.52
Average expenses per month for 2018: $2,425.93

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  1. for wedding banquet, thats quite low isnt it?
    i thgt at least 20-50k?

    also, what is the best bang for buck to use for wedding? since cash rebates on cc usu have limits. (i have more of a CB person)

    but i see most pple use miles for wedding, due to the larger outlay.

    1. Apology for the late response! We are on vacation now. Hahaha. I think our banquet will be slightly less than/around 20k in total.

      To be honest, I have lost touch with CB cards, we are accumulating miles ourselves. Like you said, CB have limits but accumulating miles isn't easy/require some effort + change of mentality (we started out with CB before moving to miles). So you got to decide for yourself which one you will be more comfortable with :)

    2. Hi KPO,

      Can I know where you made your wedding suit and was it at a decent price?

    3. Hey,

      We got our bridal package from Rico-A-Mona for around slightly below $4k. It includes pre wedding shoot (default is 38 soft copy photos + album but we gave up the album to get more photos), a total of 4 sets of suits and gowns (2 sets for AD) and some miscellaneous items.