With Singapore ranked as the world’s most expensive city to live in for the third year in a row, it is no wonder we don’t have much cash to spare after paying off our bills every month. Here are 20 effortless ways you can save some money:

1. Warehouse Sales

Use the warehouse sales opportunity to load up on products you need. As brands try to clear their stock to make way for the incoming season, prices of their current stocks will slash. If it’s nearing the end of the season and you’re still eyeing that rather pricey leather jacket, hold up a little more, and you may see it out on a warehouse sale.

2. Automate your savings

Set your bank account to automatically deduct an amount out of your paycheck and move it to a different account. This action makes saving money much more convenient, and you don’t have …