[sgbuffett]

Whenever you eat out you are not just paying for food but rental of store, foreign workers, foreign worker levy taxes etc.

A very simple illustration. If you buy a bottle.of instant coffee powder  and make one cup it costs 20cts. You go out to drink this coffee it is $1.40...that us a700% escalation.

Recently i have been cooking bak kit teh at home I am just surprised how.simple. just buy the base from NTUC or sheng siong throw in the pork rib and that's it. Costs $1+ per bowl.vs $5 eating out. Save many of these $4.nad one day you will be able to retire and not die working.

Even if eat out you can bring your own plain water instead of drinking sprite or other soft drinks...the cost of filling up one bottle of tap water is 1cts ...instead of paying $1.30 for diabetes causing soft drinks.

I used to make my own bread it was less than 30cts per loaf. It takes some effort but we'll worth it.

Old habits die hard. One way to change is to do it over time. Keep a calender tracking how often you eat out every week and try to reduce the frequency.

There is no point blaming CPF or govt if we can't retire. The chabge has to start with us to cut spending and save for retirement.