Aged 31, diploma holder in govt svc. Married, no kids living in a 4-Rm BTO. Monthly before bonuses $4500. Take home $3600. $70k annual in 2019 with shitty 0.1 mth year end bonus.

Monthly expenses
Savings - $1500 ($2500 with bonuses)
Parents - $300
Motorcycle (and related running costs) - $300
Insurance - $135
Phone bill - $50
Credit card bills (including food spending) - $400
Food - $300