This article was submitted by a Guest Contributor. If you would like to submit an essay, email [email protected]! In this post, we explore 5 hacks & challenges to supercharge your finances for 2021! #1: No-Spend Challenge The No-spend challenge is just as it implies – you simply stop spending money. The challenge is usually done within a fixed timeframe – a month or even a year! Some basic rules:  What is allowed: List out the essentials necessary for your daily needs. This includes food, electricity, phone bills as well as your mortgage. What is not allowed: Anything that you can live without such as eating out, new clothes, online shopping, and generally other wants in your daily life. How to achieve a no-spend month in Singapore: One of the ways you can avoid spending money is to occupy your time with free activities! Nature walks: Singapore has...