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Note from Yong Hui
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This is a basic spreadsheet to help you identify your expenses, breaking down into basic and lifestyle expenses so you can work towards the first milestone of meeting your basic expenses
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The items listed are based on common expenditure items and typical classifications
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Feel free to add on other relevant items or adjust the categorisation according to your individual needs and lifestyle
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Retirement Expenses
Monthly amount
Annual Amount
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BASIC EXPENSES
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Food
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Groceries
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Basic meals
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Household
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Mortgage loan repayment/ Rent
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Utilities and conservancy
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Internet and phone bills
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Personal
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Toiletries and essentials
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Healthcare/Medical
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Transport
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Public transport (bus/mrt)
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Grab/private hire
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Insurance
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Premiums (personal)
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Premiums (dependents if any)
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Taxes
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Income Tax
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Property Tax
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Dependent (Children/Pets/Parents)
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Basic needs and allowances
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School fees, childcare, tuition
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Others
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Total BASIC Expenses00
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Retirement Expenses
Monthly amount
Annual Amount
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LIFESTYLE EXPENSES
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Food
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Dining out
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Household
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Home furnishing
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Netflix/Disney/CableTV
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New phone/electronic gadgets
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Personal
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Clothing and shopping
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Recreation/ membership fees
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Grooming (e.g nails, hair, facial)
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Wellness (e.g gym, spa/massage)
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Transport
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Grab/private hire
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Car loan repayment
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Petrol
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ERP, parking, road tax, insurance
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Maintenance cost
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Travel/Holiday
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Dependent (Children/Pets/Parents)
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Lifestyle expenses
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Enrichment
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Helper
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Others
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Total LIFESTYLE Expenses
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80
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82
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84
85
86
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88
89
90
91
92
93
94
95
96
97
98
99
100