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Monday, August 10, 2020

My Cash: ‘My daughter’s remedy prices £5,490 every month’

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Matt Hitchcock

My Cash is a collection taking a look at how folks spend their cash – and the generally powerful choices they should make. Right here, Matt from Singapore takes us by per week in his life throughout the coronavirus pandemic.

Matt is 39 and has lived in Singapore for 11 years. He works for one of many huge tech firms as a cyber safety marketing consultant. His spouse Imelda works in IT for a big pharmaceutical firm.

Matt and Imelda have a daughter named Alex who’s 4 and has particular wants. They lease a 3 bed room flat in River Valley, central Singapore.

Over to Matt…

Singapore is mandating work-from-home, or “telecommuting” as a lot as potential resulting from Covid-19 and right now was back-to-back conferences for me so I did not go away my bed room very a lot as my workspace is on the finish of my mattress. My spouse works from house as effectively and her workspace is within the lounge/diner.

On the finish of the day we had hen rice (a Singapore staple).

Amazingly, $Zero spent right now!

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Matt Hitchcock

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Matt Hitchcock

My Cash

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One other day of the identical… working from house. I used to be up at 05:00 this morning, partly as a result of I needed to look at the recording of Man Utd vs Southampton, but additionally as a result of I had some paperwork to learn and updates to organize earlier than the day began.

I used to be purported to make smoothies for lunch right now as a part of our wholesome week, we had already purchased the components on the weekend, however selected going out for lunch as a substitute. My spouse and I went to Kurry Korner in River Valley, one among our favorite Indian eating places. We had the vegetarian lunch set, a complete of Singapore $17.60 (£9.86) for the 2 of us.

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Matt Hitchcock

Although we have been consuming out, we have been practising protected distancing within the restaurant, and solely eradicating our masks to eat and drink. That is the norm in Singapore and we’re very supportive of this apply.

After leaving the restaurant, I walked house and picked up two coffees and a sausage roll to share as a day snack, a complete of Singapore $19.26.

Convention calls until the top of the day, adopted by a house cooked dinner of shepherd’s pie, our night stroll then settling down for the night time.

Complete spend: Singapore $36.86 (£20.66)

My spouse was within the temper to order breakfast this morning, so we ordered from Enjoyable Toast to start out the day. A sardines toast, scorching espresso and a mee siam set us again Singapore $15.29 together with the Singapore $4.99 supply from Meals Panda.

I had a quiet morning and wanted to get some considering time in so I used to be in a position to stroll by the neighbourhood for over an hour. I like strolling by our neighbourhood as a result of we dwell on the sting of a suburb of homes valued into the tens of hundreds of thousands of {dollars}. We are going to by no means afford them, however good to take a look at!

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Matt Hitchcock

One other afternoon of full on conferences and taking my daughter to her speech remedy session. As there isn’t a NHS for us right here, we aren’t Singapore residents with a authorities backed medical financial savings scheme, the invoice is Singapore $190 for an hour with a personal therapist. We have been seeing worth in Alex’s speech remedy however two classes of this per week quickly provides up!

We now have a house cooked dinner tonight in order that’s no spend right now but it surely’s my Mum’s birthday quickly so I switch £150 to my sister to place in direction of the B&Q vouchers we’re shopping for for some house enhancements.

Complete spend: Singapore $205.29 (£115.06) + £150

I began work early once more right now and we had a staff assembly to announce some modifications within the staff.

Imelda purchased coffees and croissants from the native espresso store as a result of she wanted a stroll (Singapore $10). The truth that our espresso machine remains to be in for restore is beginning to present!

We order “Not possible Kebabs” at Singapore $22.59 for 2 (together with the Singapore $4.99 supply payment) from Meals Panda however seeing as they get our order incorrect and ship us hen kebabs, Meals Panda refund us the cash!

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Matt Hitchcock

Within the afternoon I take Alex to speech remedy (one other Singapore $190) and spend the time I am ready simply strolling and making cellphone calls.

For dinner tonight, our helper made pizzas! Some shall be saved until tomorrow.

Within the night we determine to order bubble tea (Singapore $6 for 2, plus the Singapore $4.99 supply payment – Singapore 10.99 complete) and spend a while watching British TV reveals. It is perhaps age, however we take pleasure in watching Doc Martin, Rosemary and Thyme, Blackadder and Poirot. Working our manner by all of the re-runs! Being that we are supposed to keep house (Covid-19) we watch much more TV and I consider the UK rather a lot in these instances.

Complete spend: Singapore $210.99 (£118.26)

One other day, one other morning of working within the bed room. Every day looks like the final however at the least it is Friday. Imelda goes out for croissants and low (Singapore $10) as I am feeling fairly down concerning the modifications at work. Nonetheless, I make it by the morning and have some salad for lunch and a sneaky slice of final night time’s pizza! Okay, so the final two slices… I am not trying ahead to Imelda’s disapproving look when she reads this.

Since it’s Friday I determine some beers are so as as soon as I get to the top of the day so I spend Singapore $51.20 (together with Singapore $0.20 service payment and Singapore $3 tip to the rider from Deliveroo) and order 4 beers from Peperoni Pizza. I did not want meals, however they carry some nice craft beers.

We now have a dinner at house once more however as soon as we get Alex to mattress, we head out for a drink on the Irish pub! We’ve not been to Scruffy Murphy because the quarantine interval began in Singapore and it is nice to be again!

I’ve a few Kronenberg Blancs and we share a divine bacon sandwich (I have not had one for at the least six months). Imelda has a coke (she’s the designated driver) and at 22:00 we’re promptly issued our invoice of Singapore $51 to allow them to shut on time. Our parking payment is about Singapore $1 which is not dangerous for 90 minutes. Dwelling to go to sleep to episodes of Miss Marple.

Complete spend: Singapore $113.20 (£63.45)

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Matt Hitchcock

All of us awoke later than regular right now. We determine to order breakfast and Imelda needs the Burger King pancakes right now, so we smash that (Singapore $20.89 for 3 breakfasts and supply included) then get able to take Alex to the physician for her annual examine up.

The physician is a couple of 20 minutes drive away and after an Singapore $80 session payment that we will declare from our medical insurance coverage and Singapore $3.20 in two-and-a-half hours of parking, we’re on our manner house.

Alex has been confirmed by the physician to want some occupational remedy for a few circumstances in order that’s beginning to sound costly! We are able to put that off until subsequent week to start out trying round for a great one.

Occupational remedy will now add to the ABA remedy and speech remedy we already pay for Alex. Elevating a toddler in Singapore may be very costly, particularly once they have particular wants and you are a foreigner. We’ve not needed to pay the ABA remedy invoice throughout the week of this weblog however that units us again round Singapore $9,800 (£5,490) every month. We saved some throughout the circuit breaker as a result of all classes have been distant.

It is the dilemma of any dad or mum whose youngster has suspected autism; do you hope it is a part they usually’ll develop late or do you make a selection and put money into early intervention? Happily, we selected the latter and it turned out to be the correct name. We’re fortunate that we’re each employed in good jobs and salaries. We are able to afford it for now, but it surely’s massively impacting our capacity to save lots of for retirement. Fortunately when she begins faculty that can really be cheaper; we’re trying ahead to that.

We now have lunch at house of leftovers from the week. Then exit for a stroll at Hort Park, adopted by Paddy Hills for espresso and dessert (Singapore $37.45).

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Matt Hitchcock

Within the night I meet up with my buddy David, who I’ve not seen since January. I take a taxi to get there (Singapore $11.18) and we meet at Acid Bar at Orchard Street, after spending a very long time ingesting beers, consuming pizzas and fries and placing the world to rights, David insists strongly on fronting the invoice, he selected the place and was there sooner than me in any case. And I’ve simply given him a good USB-C journey charger, but it surely’ll be my activate the invoice subsequent time.

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Matt Hitchcock

Whereas I spent nothing on the night time out, on the best way house I cease at 7-11 for weekend treats – a bottle of wine, ice lotions, beers, and biscuits, which involves about Singapore $83. All indulgences for the weekend. Covid-19 is taking its toll and we’re overindulging! I get a cab house for Singapore $9.60.

Complete spend: Singapore $245.32 (£137.50)

Remaining day of the weblog! It is a lazy Sunday and Imelda needs the pancakes from Burger King once more, they’re really actually good and include maple syrup so we spend Singapore $20.89 (together with the Singapore $4.99 supply payment) and have breakfast at house in entrance of the TV, we watch cartoons and play with Alex till it is time to exit for lunch and to get out of the home. With weekdays being so exhausting now, there’s restricted vitality on the weekend.

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Matt Hitchcock

After a Singapore $31 lunch at #87 Simply Thai, we went to Sentosa for a stroll alongside the seashore. It was a super-hot day although and Alex wasn’t feeling the outside, so we quickly wound up sitting and having a drink within the air-con, spending Singapore $6. The entry payment to Sentosa in a automotive is free now due to Covid-19 so we saved on the Singapore $5. Parking was round Singapore $3 although.

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Matt Hitchcock

Feeling lazy from the recent day, making dinner was not on the playing cards and we settled for McDonalds. Singapore $30.20 noticed the three of us consuming very effectively. Since McDonalds ship as effectively it is tremendous simple and we’d relatively sit at house than within the restaurant (social distancing in any case).

Tomorrow, all of it begins once more …

Complete spend: Singapore $91.09 (£51.06)

Complete spent this week: Singapore $1,170.44 (£655.99)

How does Matt really feel about his week?

The week was a little bit of a wreck by way of eating regimen. That is probably the most surprising factor in all probability. I’m very a lot in a comfort-eating zone in the meanwhile as a result of my psychological well being is taking a little bit of a success by Covid-19 and all of the modifications and extra calls for.

The extra bills for occupational remedy for Alex are a degree of concern, however we’ll discover a manner. As mother and father, we need to do as a lot as we will for our infant to provide her as a lot alternative to dwell an unbiased life as we presumably can.

As I learn again over this, I do get self-conscious about how a lot we spend on various things and cringe after I think about family and friends again within the UK studying this. However that is life in Singapore, and every part is relative.

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Matt Hitchcock



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