Savings

Have a monthly budget for expenditures in each aspect of your life, and open a savings account that automatically credits a fixed amount into that account monthly so you won't be tempted to touch it. When it comes to spending, putting in effort to source out cheaper alternatives is extremely worth it (comparing online buys (and looking out for coupons/sales) and buying from physical shops, even between supermarkets versus HDB shops). The savings can be amazing.