I've been living paycheck to paycheck since starting work 10 years ago. I'm now 35 with hardly any savings. I hope it's not too late for me. Where do I start and what can I do to catch up?

Start with the easiest sg govt tbill first?

Its good that you choose to start. The first step is always the most important step! You should start by allocating your pay check into savings, expenses and investing and stick to those budget strictly. But before you even start investing, you should clear out any debt that you already have. All the best to you moving forward!