Singapore was recently branded the most expensive city in the world to live in. It’s a place where only those who chant “Save! Save! Save!” survive over the ones who shout “Spend! Spend! Spend!” As a result of this saving syndrome, most Singaporeans are interlocked in a never-ending battle between frugality and opulence, and more often than not, work leaves no room for play. Contrary to popular perception, a rewarding social life makes a massive impact on the overall well-being of the individual. Acquiescing to a regressive dull existence is not going to make you more productive, because the key to success in today’s times lies in working smart instead of working hard. Although dining, shopping and other avenues of entertainment come at prices that will make you frown, it doesn’t mean that you have to go broke engaging in them.  Devising a smart budgeting plan to ......