$$$ KPO and CZM $$$: Expenses - January 2019

Tuesday, March 19, 2019

Expenses - January 2019

We received an email from HDB that our house will be ready soon and the email states that we can collect the keys around May!

Taken from Qanvast - https://qanvast.com/sg/interior-designers/voila-45
CZM spent a lot of time designing the house (something like the above)/floor plan using ppt and we sent out to a bunch of IDs for quotation. Some of the quotations we got were around 50-70k. Faints!

As mentioned previously, I will be tracking our total expenses as a married couple starting this year. I can foresee that our expenses for this year will be the highest ever due to the above (house renovation, new furniture, etc.) + our US/Canada trip. Thinking back, wedding expenses were not that huge because we were able to recoup some/most of it at the banquet.

Current Profile: 29 years couple who got married recently but staying separately with our own parents while waiting for the BTO project to be completed this year.

Our total expenses were $11,712.06!!! The breakdown would be as follows:

KPO Expense Fund (our common fund): $7,772.40

KPO: $2,229.22

CZM: $1,710.44


$4,121.25 - The total cost in SGD for 2 pax return First Class flight to Washington DC due to Cathay Pacific blunder - Thank You Cathay Pacific! Another First Class Flight on American Airlines

$1,000 - I will be going on a tour by Hong Thai Travel to Eastern Europe with my parents.

$2,980 - That is the total amount of red packet we prepared for CNY. The bulk of it goes to our parents ($888 x 2) and grandparents ($188 x 4). The rest are $20 for siblings, and either $8 or $6 (random strangers).

$380 - Attended a wedding at Andaz Singapore (with CZM)

$1,260 - That is the total amount we are giving to our parents as allowance.

$629.74 - Our combined food expenses are still on the low side because we are still staying with our parents.

$293.58 can be further broken down to $171.13 (EZ Link) and the rest on cab ($122.45).

$177 - This is a fixed monthly cost for the basic coverage - term life and hospitalization.

$100.04 - Online Shopping: CZM bought some new/CNY clothes.

$65.85 - Health: I fell sick and went to Raffles Medical (supporting my own stocks). lol. Not an actual expense because I can claim all of them back from my company.

$32.00 - Watsons: It seems that CZM will always buy something from Watson almost every month for it to become a category by itself. No idea what she bought. Hahaha.

$26.25 - Credit Card: Converted DBS points to KrisFlyer miles ($25 + GST).

$12.00 - Gambling: Toto, the fastest way to fulfil our millionaire dream.

$5.50 - Hobby: We collect overseas and old notes. It is an expensive hobby...

January 2019 - $11,712.06

Total expenses for 2019: $11,712.06
Average expenses per month for 2019: $11,712.06

This is the first time I am compiling our expenses together. To be honest, it is such a mess! The plan going forward is to remove the "Darling"/CZM category, nest it under the existing categories and hopefully they will be clearer and neater next month.

On the bright side, if we were to remove the one-time expenses such as Vacation and Gifts. Our combined expenses are only ~$3,600+. Till next time!

Do like any of the following for the latest update/post!
1. FB Page - KPO and CZM
2. Twitter - KPO and CZM
3. Click here to subscribe using email :)
4. Instagram - KPO_and_CZM (Did you see those delicious food photos to the right --> Unfortunately, you can't see it on mobile.)


  1. Overseas and old notes? You are in luck!

    Singapore International Coin Fair will be held from this Friday to Sunday over at Marina Bay Sands. I will be unlocking my warchest for this lol

    1. Wow. That's interesting, never knew that there will be such a fair and that we had the same hobby! Hahaha.

    2. I go there for the gold and silver lah.

      You going?

    3. Haha. Yeah. We happen to be around the area. Thanks for letting us know! See you there? lol

    4. I think I already left before you arrived lol