be creative and think out of the box
instead of saying "not enough money", think "how to make more money"
or "how can i make my money work harder for me"
This should be the right direction. Thank you Ortega for pointing out.
Expenses are always going up, and that includes Food, Water, Energy, etc. But surprisingly, pay don't go up as fast as expenses. A lot of people may say, eat less, don't spend so much and tighten belts. But how long can we last? If our bills really went sky high, can we call Singapore Power/HDB or whichever agency and say that the costs are too high, can you charge lesser? No way.
Therefore, we should look into alternatives to generate alternative sources of income.
Like we learnt a trade from our Degree/Diploma. That paper will earn us a job, which will then earn us a pay check. If we look into learning another skill (for example, since this is a photography forum, lets use photography as an example of a new skill), this new skill can bring in another source of income. Look into more alternative sources of income to make more money for you, or grow money for you, instead of just trying to save up. Everyday, we are losing money due to GST and inflation, therefore look into ways to generate more money.