My definition of fine dining is where you sit and place order and someone comes and serves you. The restaurants we frequent are mostly on Syed Alwi road. Mostly Bombay Cafe, Raj, Anjappar, Balaji Bhavan and Kailash Parbat.
We also frequent the Anand Bhavan at Changi Airport T2 and the restaurants in Singapore expo area and riverwalk tandoor when we are in clark quay.
My wife is also a great cook, but weekend dinners we strictly eat out just to give a break for my wife and also we are foodies and what else can you do in Singapore

The secret of how we do it under $30? We dont order the starters and desserts etc, just the main course.