I used to always exceed on expenses too, I just can't reject new gadgets. In order to restrict myself to overspend, I start doing budgeting, for your case you can group them into 3 categories. E.g. Food - $180 Transportation - $50 Entertainment - $120 So, the leftover $150 you can save into your bank. However, your monthly expenses might not hit $350 every months, some will lesser some will more than. So, when this month you spend lesser, the remaining amount can be brought over to next month. Therefore, next month you can have more to spend. My way is remaining balance I would deposit back to saving. Because it is easily to take out when we need extra. You may refer to http://sgbeyourownboss.com/budgeting-monthly-expenses/

You may take a look at this http://sgbeyourownboss.com/budgeting-monthly-expenses/. I usually split my expenses into 6 categories. But before you start budgeting, you need have a rough idea where your money spent everyday. So I would suggest you take 2-3 months to track your daily expenses. With that, you know every month what you need to spend, how much you need to spend, and how much you can save.

1. Yes, you don't even need to call in to request to waive off the annual fee. You can just submit a request thru internet-banking. You may referring to this http://sgbeyourownboss.com/dbs-3-8-high-interest-saving-account/. 2. For investment, you can consider POSB Invest-Saver, or buying SSB. The dividend credited in your DBS account will be counted.

I would recommend DBS for fresh grad. You may referring to this http://sgbeyourownboss.com/dbs-3-8-high-interest-saving-account/. Currently, I am using this account too.

I do suggest to have at least two account which is saving and another one for expenses. You can referring to this http://sgbeyourownboss.com/3-ways-to-save-money-effectively/. For saving, DBS, OCBC, BOC, UOB and SC are offering quite a good interest saving accounts you may consider them too. You can referring to this http://sgbeyourownboss.com/dbs-3-8-high-interest-saving-account/. Currently, I park my saving in this account. Another one for long-term, I would recommend Singapore Saving Bonds. It is low risk. Since we are talking about savings so I not considered the investment.

For beginner, you may first build up the saving habit. You may take a look at this read more and budget your monthly expenses. Also you may take a look at the high interest saving account. For example DBS Multiplier, this is good for fresh grad.

It is realistic and not so hard, but need to be discipline. I do expenses tracking since I studied in uni. When I start working, I do budgeting for my monthly expense. You may read this if you interested to know how I do my monthly budget.

For the beginner I think yes, you need to build the saving habit so it must be as simple as possible. You may read this to know how I save.

It is realistic and not so hard, but need to be discipline. I do expenses tracking since I studied in uni. When I start working, I do budgeting for my monthly expense. You may read this if you interested to know how I do my monthly budget.