Seems like my yearly spending is just enough to redeem a one-way business class flight. […]
Seems like my yearly spending is just enough to redeem a one-way business class flight. Since my regular credit card spending is pretty low (typical credit card bill is under $500), I only stick to a few cards so i wouldn't need to pay the conversion fee for multiple banks.
I don’t spend much in Singapore—maybe there aren’t enough things that catch my attention. My spending mainly goes to variable expenses like groceries, food, and shopping (excluding big-ticket household gadgets, etc).
Sharing the referral deals at the end of post
Food
I have a routine for meals—weekdays are mostly home-cooked, simple, and require minimal prep. I buy meat, veggies, and fruits from the wet market with cash, while supermarket fruit purchases go on my credit card.
When eating out, I like unique cuisines with bold flavors—something different from my simple home-cooked meals. If I do eat out at restaurants, it would be using food deals. If not, a meal typically costs around $100-150 for two people. Since that’s quite a steep price, it’s usually a special occasion or a meal with my partner.
My go-to small indulgences are sourdough bread, beancurd, and soymilk. A sandwich outside costs around $15-20, and while I can’t exactly recreate those flavors at home, my homemade sandwich is alright for me because my motto for meal prep is: “Good enough”
Food Deals When Eating Out
Yindii app (free app) – My latest favorite! I’ve used it multiple times to get surprise meals at 50% off during selected hours. Some of my best finds were from Supergreen and Heybo—ended up loving combos I wouldn’t have picked myself, like mixed grains, lemongrass chicken, turmeric tofu, cabbage, and mushroom.
Use code YE6T2ZJB to get cashback after your first order on Yindii!
Shopping
I’m mostly into overseas shopping or Taobao.
I love shopping for unique things online, especially now as Taobao offers free shipping for orders over 99 yuan—a game changer.
Since Taobao orders take about two weeks to arrive, I only buy things that are pre-planned and not urgent. Unless I really need something asap, I wouldn’t pay extra to get the same thing in Singapore.
Big expenses
- Travel – My biggest credit card expense each year. Traveling every three months for leisure is a must.
- Hobbies – My priciest hobby purchase so far is a DJI Pocket.
- Self-care – Facials, hair treatments, and massages cost me about $80-108 per session.
Clothes & Accessories
I already have enough bags, clothes, and shoes. These days, I only buy replacements instead of adding to my collection. I will buy quality items at reasonable prices, hopefully replacements are needed less often.
For travel, dining & credit cards deals, you can refer to here