Interesting question, I hadn't actually been analyzing my expenses too closely although I have the numbers. I've been either cooking dinner or just buying hawker food. So food expenses are pretty much still the same. But since I haven't been going out as much, discretionary expenses have reduced somewhat (lesser bubble tea, for example). I probably spend less than $10 a day on average. Utilities have not gone up much either, I don't have an air con at home, so I just use the fan.
Then against, as my income is variable, I can't say I am saving less or more, to me it's a matter of spending on necessities, and the rest goes to investment/war chest since I have enough in my emergency fund for now. I guess it's a case of business as usual when it comes to my cashflow, but this was honed over the past 10+ years.
I spend lesser now since Circuit Breaker started because I can’t socialise as much. There is also the elimination of transportation costs since we are home-bound now and not traveling to and fro.
But I must say food delivery are not necessarily the cheapest either! Prices are marked up now as expected and also because operators like Grab are drawing commissions for FnB restaurants for using their platform.
We are also spending more money on groceries because if we are not ordering food delivery, it’s home-cooked meals for the whole family!
Expense has drop in terms of transport, half a tank of petrol lasted for more than a month. Extra in...
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