Always look at things that are monthly recurring. Here are some suggestions: -monthly insurance premium. (MC can pair w AXS on phone to pay) -SP bill -telco bill -APP wallets

Correct me if I am wrong. SA you can only top up to $200K? No?

Yes, you can put cash back into CPF and specifically to return (in full or in part) the amount used for property. This is also my recommendation to you because: -every dollar you take out of CPF misses out on the 2.5% risk free interest that "government" gives your CPF. -every dollar you take out of CPF later comes back to bite you as "accrued interest". In street talk, you will lugi at 2.5% a year. - put the above 2 points together, it's 5%pa improvement for every dollar you do so. - compound it actually. Putting back your CPF used for property should be done as soon as you comfortably can because it's a solution that keeps giving back to you. Putting cash to SA is the next better solution because it's a 4%pa improvement for every dollar, and a one time tax reduction.

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