We all know that being frugal and saving money is a virtue as it can prevent us from getting into financial trouble. But too much of a good thing can be bad too. In this case, being too stoic with your money can make you miserable. This is why I have allocated some of my monthly budget to ‘treat yoself’: money that I can use for anything. But I try and optimise this money as well, doing the research on threads like this on Reddit to make my money go further. Source: Wonder Woman 1984 As such, I have put together this list of 10 things under S$20 that will improve your quality life. I’m not telling you to buy everything. What I’m asking is that you consider two, or three of these things on this list and see if they will help improve your life....