Excess costs

	B	C	D	E	F	G	H	K
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3	Activity	Detailed narrative	Assumed frequency	No. of units	Cost per unit	Total cost per month
4	Taxi / Grab Rides	Assuming To-and-Fro twice a week or any situation that adds up to 4 rides a week	4 rides a week	4	20	80	REGULAR CATEGORY This section is in regards to recurring monthly costs that tends to happen fairly regularly with high probability. Therefore costs in this section tends to easily be accurately estimated and avoided. Total costs: $406, $376 (non smokers)	Summary
5	Meals at costlier locations	Includes café dates, restaurants, buffets and the like.	Twice a month	2	40	80		Monthly costs: (regular only) : $436, $376 for non smokers) (regular + occasional) : $1118 (non smokers) (everything): $2218 (non smokers)
6	Beverages at elevated costs	Includes bubble teas, artisan drinks, Starbucks, or even your cinema drinks	Twice a week	8	7	56
7	Movies and/or karaoke	Either activity, or similar.	Once a week	4	15	60
8	Social activities	Such as pubs, bars, clubs, or birthday/farewell/celebration parties with shared costing. (Additional cost of $20 is added for tendency of cab fares, activity cost is $80)	Once a month	1	100	100
9	Cigarettes	No idea about the accuracy of price or frequency since I never smoked	4 packets a month	4	15	60
10						436
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13	Activity	Detailed narrative	Assumed frequency	No. of units per year	Cost per unit	Total cost per month
14	Overseas holidays (budget)	These are short getaways to nearby countries like Thailand, Bali, Malaysia, or even Taiwan, if it's cheap enough.	Once a year	1	1000	83.333333	OCCASIONAL CATEGORY This section are costs that arise from activites that do not happen monthly, but rather a few times or even not at all in a year. The costs of these activites are spread out into monthly terms. Costs in this section might not reflect accurately from individual to individual and thus estimation and avoidance is to be further evaluated.
15	Overseas holidays (long trip)	These are probably costlier ones, which could arise from staying in 'cheap' countries for long periods, spending luxuriously, or visiting faraway countries such as Korea, Japan, USA, Europe etc.	Once a year	1	4000	333.33333
16	Purchase of mid-luxury goods	These includes sneakers, mid ranged-jewellry, fashion items such as blazers, belts, etc., anything that are considered luxury. Since this area is rather vague we will just assume any luxury items that is about $200	Twice a year	2	200	33.333333
17	Purchase of high-end luxury goods	These are your LV-bags or any other lesser amounts of luxury goods which aggregate up to the price of one LV-bag. This also includes expensive electronics such as headphones, water purifiers, expensive speakers and stuff you don't really need	Once every 2 year	0.5	3000	125
18	Personal care	These include gym memberships, facial packages, manicure/pedicure, weight loss treatments, etc. The costs mentioned here are ADDITIONAL, in a sense that a cheaper option (or not going) probably exists.	Once a month	1	100	100
19	Purchase of 'wants' clothing	Probably more applicable for ladies, but gentlemen who tends to buy suits, shirts, shoes, socks etc. excessively could apply as well.	Once every quarter	4	200	66.666667
20						741.66667		1117.666667
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22	Activity	Detailed narrative	Assumed frequency	No. of units	Cost per unit	Total cost per month
23	Credit card or installment payments	Since this is a very vague category, we will assume payments of $200 a month				200	SPECIAL CATEGORY This section is specifically targeted at people who have a fixed financial obligation which may or may not apply to an individual.
24	Savings plan	These are any forced savings model such as endowment plans, unit trusts, (forced) BCIPs, or any investment products. As the value ranges very widely from individual to individual, we will assume it's about 300	Once a month	n/a	300	300
25	Give parents/siblings/spouses money	Or anyone you owe money to actually	Once a month	2 (parents)	300	600
26						1100		2217.666667
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