Most of us just arrived here still newbies of course must talk about how to save money.

How to spend and where to go enjoy is for super senior like you...

Respect for being able to do it
But your earlier post mentioned 1k is on the high side, not that it can be lower
Of course there are those spending 500/month on expenses too I bet

I guess in hindsight if you managed to save up for all those its worth it!

On the topic of spending money, is there any hidden gems to visit in Singapore? Or any nice place to eat?

tbh i don't think i explored singapore enough. the typical "when you visit a place for holiday, you do everything in one weekend. when you work at the place, you don't even bother exploring"

See FrontierX's quote V-Zero

I am single, but i am currently dating.

dating expenses is not that high, 2-3 times eat restaurants a week, maybe thats why got to 1k/mth. my gf spilt the bill with me sometimes cause she earn slightly less then me.

I also do go overseas as well for holidays, usually that is using my annual bonus.. go aussie, china, taiwan, japan etc... my bonus (>4 mth) is enough for me to go overseas 2-3 times a year. the rest i save.

1k breakdown is roughly $20 for 3 meals a day (600), transport (120), phone bill (50), discretionary spending (200+) like movies, buying clothes, toilet accessories etc... i am currently using a iphone app to track my expenses so it is fairly accurate.

This post has been edited by FrontierX: Aug 23 2016, 08:58 PM

sweee...! i like.

i go food hunting usually. restaurants i keep to minimum cause all too ex. cafe hop occasionally only. maybe good food reminds me of my home in msia

there are some nice food in sg, notably the tiong bahru market, amoy st, jurong yuhua market also okok...

it depends on what u like to eat reallly. i go too many places that i cant recommend all at one go!

It was before I moved here to SG. I requested a slightly higher offer than the avg market rate while I fill in the form during interview. And few days after the interview they sent me an offer together with my salary, which stated the salary for probation and also after the probation. It was about RM300-400 difference.

Buy a house, get a car, get babies and no more left to spend.

Buy a resale HDB flat and no more left to spend liao.....dont even need to go that far....unless both parties are earning 5 digits each monthly

Hdb monthly instalment can pay with cpf right? Your monthly nett pay can spend on something else

That's a lot of bucks... $.$
Ur gf is Singkie or Malaysian?
Anyways, resale HDB still is costly right?

Haha some borrow from family lor. Like my frens, sailang everything and pinjam from all the relatives.

both 5 digits cannot buy hdb liao

monthly u can pay with your CPF yes...but remember....its max loan 80%...20% balance is 15% from CPF...5% cash...
those who started working even after 5 years......do you think you would have enough of money in your CPF account(OA portion) to pay up that 15%?
Don't forget that there's additional buyer stamp duty(ABSD) for Singapore PRs

For eg(in my case) 3rm resale =SGD300k.
15% of that SGD45,000 from CPF Ordinary Account only.
Additional buyer's stamp duty due to both of us being Singapore PR(5% of the price =15,000)

From the above that's 60k from CPF Ordinary Account.

If you dont have this 60k...then its all cold hard cash.

5% cash = 15,000k

You do the balance of the maths...lawyer fee/basic buyer's stamp duty/transfer fee etc etc

After that the monthly is not a problem.

Assuming both earning min $10,000 that's already $240,000 pa. You can buy >$1mil condo

Not eligible even to buy EC(over qualified).......LOL......

This post has been edited by tailtwist: Aug 24 2016, 11:16 AM

my wife...Malaysian with Singapore PR....else not eligible for resale HDB...now in the midst of converting to Singaporean

Food heaven here...explored all the hawker stalls with good reviews (prices are reasonable). Doing hawker food hopping here rather than pub hopping

On frugal months I can save around 7-8.
Cost of living quite cheap in SG but I do miss certain things about MY.
I.e. Food methinks MY has an edge, unless if you go whack atas restaurants all the time.

This post has been edited by madmoz: Aug 24 2016, 12:19 PM

I miss lepak at mamak with friends...
Hahaha...
And yeah, Malaysia's food do taste better...