Ms Felicia Foo, 30, and her husband Kelward Ong set aside savings every month - but managing to do so can be daunting, and the prospect of future bills is an ever-constant pressure.
"Sometimes, it feels like someone is breathing down our necks. Things are expensive here. An average trip to the grocery store will cost us at least $50," says Ms Foo, a relationship executive at a multinational company.
Already a subscriber? Log in
Read the full story and more at $9.90/month
Get exclusive reports and insights with more than 500 subscriber-only articles every month
ST One Digital
$9.90/month
No contract
ST app access on 1 mobile device
Unlock these benefits
All subscriber-only content on ST app and straitstimes.com
Easy access any time via ST app on 1 mobile device
E-paper with 2-week archive so you won't miss out on content that matters to you