Dear readers, I was heartened to receive another $300 tranche of the CDC Vouchers for this month (January 2025).
Just last month, I used up the NS Credits of $200 on basic necessities such as meals and household items. And hence the continuity of vouchers is welcome to offset the higher cost of living here.
Definitely, the CDC and other government vouchers, while welcome, is just ultimately something over and above that all of us should do in our own ways to deal with the cost of living. And these things that we can do on our own include reducing discretionary spendings and saving more in areas where we can.
Speaking about discretionary spendings, just yesterday, I spent quite a fair bit to bet on the $8.2million TOTO. I spent in all $36: comprising one unit of iTOTO System 12 ($33) and three $1 TOTO Quickpick to maximise my probabilty of winning, I thought. This $36 bet is by far one of the highest I wager on in a single bet. And again, I did not win anything from TOTO.
That’s said, I had since recorded the $36 bet in my financial expenditure spreadsheet, so that with my daily tracking, I will not exceed my target amount of monies allocated to Singapore Pools bets for this year.
Same with the other areas of spending, once we have a system to track how much monies we spend in each area, we are able to measure and work towards saving for more. This way, we are able to better cope with the higher cost of living these days.