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Instead of thinking how to scrimp and save, create more streams of income!
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If you have some saving, dont lock it in the bank, buy 6 months t-bill by batches
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Watch shopee live to quickly accumulate shopee coins which you can then use to offset your bill at merchants that accept shopeepay like supermarkets and hawker stalls that accept shopeepay
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To start buying frozen uncooked food (meat and vegi), and use better techniques to make taste better...
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Might be controversial but nobody got rich by savings
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there is only so much you can save. Cai png 3 meat cai png 2 meat cai png 1 meat
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personal strategy for every $1 I spend, I make sure I earn $1.10 (just an example)