4) Recreation & Others
- Choose countries where rates are lower
- Choose free recreational spots such as East Coast Park
- Buy at discount shops or online forums for equipment
5) Housing
- Wait for property market cools
- Hold off major renovation works till demand drops
6) Clothing & footwear
- Go for second-hand items
- Stock up staples such as socks during sales
7) Education & Stationery
- Buy refills for pens
- Take a group tuition classes for cheaper rates
- Buy used textbooks from seniors
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