The end of 2019 is a great time to start planning and budgeting for 2020. Which is what we are doing.

Not a new years resolution just a plan on how, when and where we would prefer to spend money.

The first half of 2020 is shaping up to be quite busy with trips and visitors. We tend to spend more when other people visit Singapore so we are allocating funds for that in the budget.

Sounds boring, really isn’t. It is nice to have an idea of how far our funds will stretch.