Singapore is an expensive city – the most expensive city in world, in fact, according to the Economist Intelligence Unit. In a 2015 survey, 87% of 2,000 Singaporean participants reported that they have had to make financial compromises due to the rising cost of living.

If you’ve been cutting on spending but still feeling the pinch, you’ll want to make use of cashback and money-saving tools that will allow you to save more without spending less.

In order to get the most out of your spending, it’s best to make use of tools that require little effort and can integrate seamlessly into your spending habits. Here’s a fuss-free guide to saving more without spending less in Singapore:

Use cashback and money-saving tools

1. Cashback credit card

To the uninitiated, it may seem odd to think of a credit card as a money-saving tool, rather than an instrument to borrow money …