show your simple maths then. You just can't accept the fact that
you cannot compete in the real life, as I have pointed out in
another thread?
So do you, since you were a child, not receive any pocket allowance
from your parents at all? The difference between me and some of my
friends is, I don't spend money till I have none... My friends,
they spend till they have none in the bank every month -.-
Anyway, factor in a conservative estimate of 10k savings from the
army. Remember, my NSF term was 2yrs 4 mths with the increased
allowance structure, not the measly $240 per month for recruits in
your time.
Hmmm, factor in an estimate of about $400 a month, transport and
everything else you mentioned, in your calculations. This is
already spending a lot per month for me.
And hor, don't need to be so stupid to include lodging de. Don't
tell me you support the PAP so staunchly and do not stay with your
parents. That would be very unfilial of you.
If you like, you can factor in an additional $200 a year from IPPT,
or maybe measly average of $100 from ICT a year.
Also can factor in part-time work ($6 per hour type), say a total
of $200 from last time till now
Any other factors you want to factor in.
Anyway, I would not consider the 24k debt because I'm planning to
pay it with my salary (you can check out starting pay for 1st class
honours). I'm talking about savings, not about accounting for that
matters. Even if I have borrowed from a bank, it would still be
interest free during my years in the uni.
The most important thing is to plan ahead in life. Trust me, I have
planned all these since my army days, with many refinements along
the way till now.
In addition, don't tell me you don't have any personal savings
now... If you have personal savings, that would mean you kept money
from your parents too, right? 
