QUOTE(seantang @ Feb 24 2013, 06:39 PM)
Studio apartment rental: Around tampines SGD 2k+-
No offence but at your salary range (ie. below S$120K), you really should be thinking something around S$1.5-1.8K HDB or condo in a less popular area. You're planning to spend 20%+ of your gross on rental... a more comfortable ratio would be 10-12%, 15% max. Additionally, if you're going to spend $2K+ on accommodation, you might as well buy.Food: SGD1k for 2
Depends on what you eat lah... My lunches in Orchard are typically $15-20 in 4 out of 5 days. Only do food court <$10 only 1 out of 5 days because my lunch buddies don't like them. To be honest, neither do I. And if you like some dining... eg. Japanese, Italian etc... a nice average meal for 2 is easily $60-100. Hell, even something like Swensens or similar to Kim Gary is easily $20-25 per head. An ice blended and slice of cake at Starbucks is $10. I'd budget $20 per day per head (assuming you will religiously eat at least 1 chap fan a day, otherwise $30 per day and $200 per week for eating nice during weekends, especially if your partner is 'particular'.Broadband:
$20-50 per month for mobile broadband is more than enough. Only need cable bb if you torrent or game.mobile data plan:
<$50 per line per monthtransportation: SGD200 for 2
OK if you do 100% MRT and bus. A taxi ride from Orchard to Tampines is around $20 during peak ie. when you go to work and after workUtility Bills: SGD200 - with basics like aircond and washing machine
OKOther matters: SGD300 - just in case shit happen and need to use the money.
Depends on how smelly the shit isCPF: ? I think for those with EP this is not entitled yet right?
YupIncome TaX: Below the bracket of SGD120k it's just a direct deduction of SGD4.5k from the total payout or is there a much complicated way to calculate this? Seems to be much lower as compared to Malaysia when it comes to income tax.
It is much lower. But you do pay 7% GST, so it's good if you're a saver vs spender.QUOTE(kidmad)
Any other expenses which I have to be aware of thus far?
You should budget maybe S$50 per week per head for groceries, toiletries and other knickknacks. And also budget some money for taxis... maybe 2 rides per week, when it rains, or your partner is throwing a tantrum about having to stand in the trains, bangla smelly etc.
Lastly... do you like to buy... stuff? Does your partner like to buy stuff? A new phone each year, a new bag, Mac book air etc etc... you should budget something for 'stuff'.
Hey bro, thanks for the detailed answer.
As for the accommodation i actually wanted to look for something as low as possible. Checking into prop guru in SG the cheapest i can find is bedok reservoir but as according to my cousins in SG it's not a good place cause dead bodies were found last year? The next wold be Tampines but they aren't going cheap 400sf/550sf single room apartment at about SGD 2k. Pain in the @SS. Buying a place at the moment would be out of the equation, don't think i could afford it.
Food Part yeah maybe during weekend going to spend slightly a little more but other than that most likely will be spending my time in the hawker centers or my other half would most likely start cooking. So hopefully doesn't exceed the budget lol.
Broadband: checked - Singtel?
Mobile Data Plan: checked - Singtel as well?
Transportation: SGD200 will be budgeted for both of us daily/weekend rides. As to commute back and forth to work, the shuttle will be picking me up at my place and sending me home as well as long as I'm living in these few places.
Utility: checked
CPF: gotta live with it and save on my own i guess.
Income Tax: hope it's really @ aroun SGD4.5k haha.
Yes i always change my phone and usually it comes in PAIR.
but that's all i spent.
Feb 24 2013, 05:31 PM
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haha.
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