1. If you are motivated and can work around your job schedules, see if meal prepping helps to reduce your food expenses in school. For me, I will pack lunch to work most weeks. Lunch is steamed vegetables usually. My lunch budget for the week is about $10-15 for the vegetables. The other costs are time to prepare and steam the vegetables every morning and electricity for the steamer. That said, this method doesn’t work if you blow the budget on your dinners or other expenses. 2. Use cash for all your expenses. Have a fixed amount of cash as in your wallet per week, as your spending budget. If it’s gone, it’s gone. Go hungry or walk home as required. 3. Designate one “no spend on entertainment” day per week. Find free activities to do or stay at home to read. 4. Open a separate savings account that is not readily accessible. No ATM card or online only account like CIMB FastSaver etc. 5. Save and consolidate your savings every quarter to buy Singapore Savings Bonds. Out of sight, out of mind.