Expenses Tracking - Seedly
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Expenses Tracking

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I track my finances daily, logging every transaction to ensure I stay within my budgets. What are some ways you track your cash flow? Especially your credit transactions?
Have 2 bank account. 1 with all you saving, 1 that you spend all your $$$. link your net , atm, credit card bill to your spending account. Every month just transfer your budget into the spending account, if you overspend, no $$$ in that account you cant spend. You be "forced " to limit yout budget, no need to micro manage every transaction.

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How do you manage irregular expenses? (E.g. Visiting the dentist every few months etc.)?
Since you're still in ns, dental can visit army one, free of charge. phone break, use your emergency fund

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Does it make more financial sense to purchase a COE car (Cars renewed for 5 years, but i get no money back) or a newer car that allows me to get back the PARF value?
Jim Ng

Jim Ng

Level 6. Master

Answered on 05 Nov 2018

What is the trade off here? Can you give more details? How much does it cost to purchase the COE, and what is the potential PARF Value that your newer car can give? Provide more information so that it's possible to crunch the numbers and make an informed decision.

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How much do you spend on groceries & food in a month?
Ember Sh-en

Ember Sh-en

Level 5. Genius

Updated on 03 Nov 2020

Pre-covid: $1000 on food, sometimes I treat my family $20 on groceries. Post-covid: $300 $40 on groceries.

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How much do you give to your parents/fam? % of your nett salary?
Kevin

Kevin

Level 3. Wonderkid

Answered on 01 Sep 2020

15% of my take-home salary. But it really depends on whether your parents are depending on that amount to survive, or they're just safe-keeping for you till you reach certain milestones (wedding, house, having kids). Considering these 2 cases as the end of each spectrum, you can adjust accordingly, imho between 25% to 5%. But there are more important things to think about, if they rely on your income, what's going to happen if you lose your job? If they are safekeeping it for you, are you a keen investor who an make that amount of money work harder in your hands than in theirs?

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How to effectively manage multiple credit cards and not overspend on them?
Samantha Ong

Samantha Ong

Level 5. Genius

Answered on 08 Aug 2020

I think having the Seedly app does help to categorize and track your various expense and income sources to your different credit cards. Besides, it might be a good idea to see which credit cards give the most amount of cashback/ rebates for the various things you are purchasing. Then, it will be easier for you to remember and track your purchase to a single card whenever you purchase them from now on. Hope this helps :)

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What travel hacks have saved you money while travelling overseas?
Julia Chan

Julia Chan

Level 4. Prodigy

Updated on 22 Oct 2018

Share meals to save money and lose weight while you're at it. Well you can have one good meal a day, and pack sandwiches and fruit for the rest. Still water can be more expensive than sparkling water, so bring along bottles to refill at the hotel or if you chance upon any water coolers. Depends on where in EU you are going, you can check out Eurail passes. Youths get discounts off these passes. Don't visit theme parks unless you absolutely have to, and buy gifts from Aldi or those budget supermarkets, foodstuffs you can't get back home cheap or at all. Like ferrero hanuta, it is so cheap there.

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