Haha actually my telco only $45 a month. The bulk of $500 comes from my insurance with abit going to a monthly installment for a spa package, which means if I tried to use Frank, I'd only get $5 a month? Hehehe..
Actually I have an excel sheet too! Because I enjoy staring at rebates earned.What kind of reminder do you have exactly? Hard to track spendings leh..
I do write down in a notepad XD... Using notepad to analysis these benefits..

What kind of reminder do you have exactly? Hard to track spendings leh..

