Like i said before. I need to periodally purchase big expenditure very alternate month. Sometime it can be a overseatrip, a iMac, some random luxurious item, a car, an iphone/ipad, a PS4 so on and so forth. That set me off my saving plan a fair bit. And they are trash item that can only to used infrequently and some even not been used yet. It hard for me to save hence i need regular saving plans. But this month i spent another 3k on bulk purchase but i felt money well spend. I am upgrading my home to econ friendly. I need to replace home applicances to energy efficient and hence giving me long term cost saving. My monthly utlilities bill for 2 person is around $200 which is quite a lot. We were seldom at home excepted after 7pm. Electrical bill shouldnt amount to so much. I reackon my 25 years old aircon might be the culprit. I had a 55" plasma TV, obselete technology already and everytime we watch tv i just emit a lot of heat. Must get those replaced. Went for the 40" phi