Saving cost

I am really watching my expenses now as I have some plans on housing and building my retirement fund.

I am applying for car sharing membership and its not NTUC carcoop. Its much cheaper and I was able to have both registeration fee waived and annual member fee at 50% discount.

Quite lucky... I also won a complimentary stay at Cameron highland resort just because in 2001 I sign up to be part of their mailing list.