Hi everyone,
Looks like I need to summarise all these cards which I am actively using and how it helps me to save money. However, I realize that I need to give you a glimpse of my profile so that you know whether it matches yours.
I am a working adult with a normal job, married with two kids, age 3 and 1 with help from my parents-in-law to take care of my kids. Thus, my groceries budget is catered to six people (sometimes eight). Because of this, dining during weekdays are rare as my mother-in-law cooks for us.
I live in a 4-room HDB flat. Thus, I have Singapore Power bills and S&CC charges.
I bought a car two years ago because of my second kid so I have car related budget.
I send one of my kids for Shichida course in Toa Payoh which explains why I needed education budget.
I subscribe to Mio Home plan with 3 handphone lines linked to it. Thus, I have a Singtel budget.
With this profile, here are the savings I have from most of the expenses I incur. I will update it as time goes by.
From Maybank Family and Friends Card (Groceries) = $480
From NTUC U Member (Groceries) = $240 - 117 = $132
From OCBC 365 Credit Card (Petrol) = $60 (Counting on Cash Rebate only - Changed from Citibank Dividend Card)
From OCBC 365 Credit Card (Singtel) = $54
From OCBC 365 Credit Card (Dining) = $162
From Citibank Rewards Card (Departmental Store) = $40
From CIMB Platinum Card (Education, Insurance & Home Furnishing) = $200
From OCBC Frank Card (HDB Carpark) = $65
From POSB Everyday Card = $18
From NTUC Plus! Visa = $8
From POSB Everyday Card = $18
From NTUC Plus! Visa = $8
Total = $1219 (About $100 per month)
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