@quietfirssg: We're a married couple in our early 30s living on one salary in Singapore. Take-home is roughly $7,000/month after CPF. No kids yet, no inheritance, no side hustle — just a system we've built and refined. Here's the full split: 💰 Invest & Save — $2,000 (29%) This is split three ways: $1,000 into our SRS account, invested into the ISAC ETF via Stashaway's ETF Explorer and SRS contributions reduce our taxable income. Another $500 goes into the IMID ETF via IG Markets, zero commission, with a 3% p.a. interest programme on the first $50k in shareholdings (Note: this requires one qualifying trade per month and terms may change). The last $500 sits in cash savings as a liquidity buffer, untouched unless needed. 🏠 Live — $4,658 (67%) This covers family allowance for parents ($1,000), food and dining including groceries and JB trips ($1,500), travel savings for 1–2 trips a year ($700), home and living costs ($350), transport ($300), health and personal care ($200), insurance ($80), and lifestyle/misc including entertainment, subscriptions, and gifts ($528). 🧾 Float — $342 (4%) Buffer for the unexpected. What's NOT in this budget: our HDB BTO mortgage (~$1,200/month) is fully covered by CPF Ordinary Account, so it doesn't create any cash outflow, that's why it's excluded here. We also haven't optimised CPF with voluntary top-ups yet, prioritising liquidity and market returns at this stage. Your numbers will look different. The principles: Invest first, live intentionally, keep a float. Save this if it helped you rethink your own Singapore budget. Follow @QuietFIRSSG — next up: how SRS actually works, and why most Singaporeans are leaving free tax relief on the table. #singaporebudget #cpfsg #srssingapore #personalfinancesg #singleincomefamily

Quiet FIRS SG

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Region: SG

Tuesday 07 July 2026 15:06:47 GMT