The smart person’s guide to doing more while spending less

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For many of us in a world changed by the pandemic, life at work is starting to assume a sense of normalcy once again — for the most part. The good news is, the economic outlook is starting to look up. The bad news is, economic uncertainty means that bonuses and increments are limited. Lavish treats and luxuries do feel quite a bit further off for many of us facing a dip in income. That being said, some smart spending can go a long way towards allowing you to enjoy life’s little pleasures while still helping along your savings for the future (or for that next big purchase you’re eyeing). This begs the question: How can you stretch your dollar further in these challenging times?



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There are more online shopping brands out there these days than the mind can keep track of – thanks to aggressive advertising and persistent seasonal jingles. This being said, the raging war between e-commerce platform giants like Shopee and Lazada often benefits consumers. After all, healthy competition begets low prices, frequent sales and marginal delivery fees — to name a few such benefits.

Rather than committing to a single app, try downloading a few to compare prices and get the best deals. Don’t forget to make the most out of in-app vouchers, loyalty systems and flash deals. The best part? There’s likely to be a different app for your every shopping need, be it fashion, groceries, tech gadgets or furniture. The trick is to plan your purchases around major shopping events. If you’re going to be making a purchase anyway, see if you can snag a deal during 9.9, 11.11, or any of the dozen other seasonal sales periods.

When placed in the hands of a financially-savvy, responsible consumer, the credit card can be a powerful financial tool that can help you get the most out of everyday spending. The three most common types of credit card rewards are points, which can be redeemed for a variety of enticing goodies, cash back, which returns you in cash a certain percentage of your spending, and miles, which are a great boon to frequent airline travellers looking to save money on flights (though this may be of limited use amid the current pandemic). That said, spend wisely! There are many rules for intelligent, responsible use of your credit cards, but here are a few to live by:

  1. While you should apply for the best rewards cards to suit your spending habits, pick a single card for your standard, day-to-day spending.
  1. Maximise all of your cards’ perks, from food and beverage to shopping and entertainment; if not, that’s likely one less card you really need.
  1. Pay off your credit balance on time to avoid accumulating interest and boost your credit rating in the long term.
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Learn more about HomeTeamNS membership:
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Aqua Adventure offers more ways to make a splash at HomeTeamNS Bedok Reservoir. TEXT: MORGAN AWYONG PHOTOS: HOMETEAMNS Other than the occasional cold spell, Singapore’s