Any suggestions/cards for cheaper fare/rebates?

Other than Grabpay, the others kinda predicate on the basis of “spending more to save more”

Of course, UOB 1/DBS Multiplier and their various rewards should work with low yet necessary and fixed expenses.

Don’t fully focus on saving more, at the same time, you gotta try to earn more.

Just step into adulthood and on the topic of maximizing your expenses, maybe sort out your insurances as it is cheaper when you younger (proper financial planning can save you a few years of non-stop purchases)

Start saving for family planning first.

This is not just to be a contrarian, but don’t be in a rush to do retirement planning. When you’re older and family nucleus already settled then not too late to start retirement planning.

The main reason being that most retirement planning solutions require locking up a lot of funds away for a long period of time, leaving you with no budget for anything else.

Hey, below are some of the things I do to maximise my moolah!

Food - a variety of apps to get the best food deals:

• Eatigo - save up to 50% for reservations (Use ShopBack to get $1.50 Cashback)
• FavePay (via GrabPay) - Earn Fave cashback (redeemable on future visits) AND Grab Rewards points (can be exchanged for free rides)
• ShopBack GO - Enjoy free deals and stackable cashback by paying as usual
• Burpple Beyond - Enjoy 1-for-1 meals at an affordable membership plan (This should reduce the damage from dates)
• SG Kiasu Foodies - Get curated food deals on Telegram!

Online Shopping:

• ShopBack - Have been using it for quite some time on every single online purchase possible (and have a total cashback of ~$480) - it adds up! :) Use my link for sign-up bonus!

Others:

• Grab Subscription - If you are already taking grab rides and ordering food delivery, this subscription might actually be cheaper
• GrabPay Card - You get GrabRewards points for using GrabPay to make an online purchase. If you are platinum member, every $1 entitles you to 10 points (~2.6% rebates based on the rewards scheme)

How about cutting down on unnecessary expenses?

• Make your own coffee - This saves you a lot especially if you are spending a lot on atas coffee on StarBucks. Still much cheaper when you compared it to kopitiam coffee
• Replace your sweet drinks with plain water - Not only is this a good way to save money, but it is also good for health!

Make smarter decisions (Kudos to Seedly team!):

• Mobile plan - Choose the best mobile plan based on your usage
• Saving accounts - Choose the best savings accounts based on your income and expenses