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

Image copyright Matt Hitchcock

My Money is a collection taking a look at how individuals spend their cash – and the typically robust choices they need to make. Here, Matt from Singapore takes us by way of 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 large tech firms as a cyber safety guide. 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.

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Over to Matt…

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

At the top of the day we had rooster rice (a Singapore staple).

Amazingly, $Zero spent immediately!

Image copyright Matt Hitchcock
Image copyright Matt Hitchcock

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Another day of the identical… working from home. 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 in addition as a result of I had some paperwork to learn and updates to organize earlier than the day began.

I used to be presupposed to make smoothies for lunch immediately 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, considered one of our favorite Indian eating places. We had the vegetarian lunch set, a complete of Singapore $17.60 (£9.86) for the 2 of us.

Image copyright Matt Hitchcock

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

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

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

Total spend: Singapore $36.86 (£20.66)

My spouse was within the temper to order breakfast this morning, so we ordered from Fun Toast to begin 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 Food Panda.

I had a quiet morning and wanted to get some pondering time in so I used to be in a position to stroll by way of the neighbourhood for over an hour. I like strolling by way of our neighbourhood as a result of we dwell on the sting of a suburb of homes valued into the tens of tens of millions of {dollars}. We won’t ever afford them, however good to have a look at!

Image copyright Matt Hitchcock

Another afternoon of full on conferences and taking my daughter to her speech remedy session. As there isn’t any 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 non-public therapist. We’ve been seeing worth in Alex’s speech remedy however two periods of this per week quickly provides up!

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

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

I began work early once more immediately and we had a group assembly to announce some modifications within the group.

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

We order “Impossible Kebabs” at Singapore $22.59 for 2 (together with the Singapore $4.99 supply price) from Food Panda however seeing as they get our order flawed and ship us rooster kebabs, Food Panda refund us the cash!

Image copyright Matt Hitchcock

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

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

In the night we determine to order bubble tea (Singapore $6 for 2, plus the Singapore $4.99 supply price – Singapore 10.99 whole) and spend a while watching British TV exhibits. It is likely to be age, however we take pleasure in watching Doc Martin, Rosemary and Thyme, Blackadder and Poirot. Working our means by way of all of the re-runs! Being that we are supposed to keep home (Covid-19) we watch much more TV and I consider the UK quite a bit in these instances.

Total spend: Singapore $210.99 (£118.26)

Another day, one other morning of working within the bed room. Each day looks like the final however at the very least it is Friday. Imelda goes out for croissants and low (Singapore $10) as I’m feeling fairly down concerning the modifications at work. Still, I make it by way of the morning and have some salad for lunch and a sneaky slice of final evening’s pizza! Ok, so the final two slices… I’m 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 price 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 have a dinner at home once more however as soon as we get Alex to mattress, we head out for a drink on the Irish pub! We have not been to Scruffy Murphy for the reason that 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 never had one for at the very 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 price is about Singapore $1 which is not unhealthy for 90 minutes. Home to go to sleep to episodes of Miss Marple.

Total spend: Singapore $113.20 (£63.45)

Image copyright Matt Hitchcock

We all awoke later than regular immediately. We determine to order breakfast and Imelda needs the Burger King pancakes immediately, 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 test up.

The physician is a couple of 20 minutes drive away and after an Singapore $80 session price that we are able to declare from our medical insurance coverage and Singapore $3.20 in two-and-a-half hours of parking, we’re on our means home.

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 can put that off until subsequent week to begin trying round for a great one.

Occupational remedy will now add to the ABA remedy and speech remedy we already pay for Alex. Raising a baby in Singapore may be very costly, particularly once they have particular wants and you are a foreigner. We have 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 periods have been distant.

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

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

Image copyright Matt Hitchcock

In the night I meet up with my good friend 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 Road, 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 travel charger, but it surely’ll be my activate the invoice subsequent time.

Image copyright Matt Hitchcock

While I spent nothing on the evening out, on the best way home 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 home for Singapore $9.60.

Total spend: Singapore $245.32 (£137.50)

Final day of the weblog! It’s a lazy Sunday and Imelda needs the pancakes from Burger King once more, they’re truly actually good and include maple syrup so we spend Singapore $20.89 (together with the Singapore $4.99 supply price) and have breakfast at home 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 may be restricted vitality on the weekend.

Image copyright Matt Hitchcock

After a Singapore $31 lunch at #87 Just 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 price to Sentosa in a automobile is free now due to Covid-19 so we saved on the Singapore $5. Parking was round Singapore $3 although.

Image copyright 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 quite sit at home than within the restaurant (social distancing in any case).

Tomorrow, all of it begins once more …

Total spend: Singapore $91.09 (£51.06)

Total 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 weight-reduction plan. That’s probably the most stunning factor most likely. I’m very a lot in a comfort-eating zone for the time being as a result of my psychological well being is taking a little bit of a success by way of Covid-19 and all of the modifications and extra calls for.

The further bills for occupational remedy for Alex are some extent of concern, however we’ll discover a means. As mother and father, we need to do as a lot as we are able to for our baby to provide her as a lot alternative to dwell an unbiased life as we probably can.

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

Image copyright Matt Hitchcock