What are your top 3 hacks to save money? Let's define top 10 together.

Use my GrabPay wallet instead of cash to pay for meals

Still using my student card for student meals and cinema tickets

Pay yourself first by auto transferring to a separate account; use public transport (and no this does not include grab or taxis); and always go house brand

1) Split your take home salary in to 50% expenses, 20% savings, 30% investment. 2) Be intentional with your spending, differentiahk between a need or a want. 3) Jot down all spenditure to have a clearer summary on how to improve/maintain your spending habits for the following month.