How You’re Losing Money on Groceries Without Realizing It
You may think you are getting smarter with your grocery budget. You plan your meals, wait for sales, use loyalty apps, and even buy in bulk. But quietly and consistently, your money is slipping away. And it is not just because of rising prices.
Grocery shopping in Singapore, whether at NTUC FairPrice, Sheng Siong, Cold Storage, or online via Shopee and RedMart, is filled with unseen pitfalls that are easy to overlook but costly in the long run. From clever packaging tricks to misleading promotions, the system is designed to make you spend more while thinking you are saving.
THE DISAPPEARING QUANTITY
One of the most common traps is shrinkflation, where products shrink in size but retain their original price. In the past year, a number of shoppers have reported that a 500g tub of yogurt is now just 450g, still priced at S$5.20. A bottle of cooking oil that used to be 2 liters now comes in a 1.8-litre bottle, selling for the same S$8.90.
Even staple items like rice and instant noodles are affected. A bag that once weighed 5kg might now weigh 4.5kg, repackaged to look identical. Unless you are carefully checking labels and unit pricing, you are paying more for less without even realizing it.
PROMOTIONS THAT MISLED
The psychology of discounting is powerful. A promotion that says “now S$9.95, was S$13.50” looks like a bargain, but several readers have reported that the “original price” was never actually charged.
Image Credits: unsplash.com
One consumer documented how a popular brand of rice was sold for S$27.90 on Shopee with a “limited-time offer” sticker, yet just days earlier it was listed at S$25.30 without any fanfare. At a supermarket, a shelf label advertised “Buy 1 Get 1 Free” toothpaste, but the single pack had been quietly marked up by 20% compared to the previous week.
Another example involved imported fruits like blueberries and cherries. While the label screamed “Special Price,” the per-gram cost was actually higher than at wet markets or smaller grocers in areas like Yishun or Bukit Merah. The discount looked convincing, but the reality was not.
HIDDEN COST OF CONVENIENCE
Grocery delivery platforms have boomed in Singapore, especially since the pandemic. While they offer undeniable convenience, they often come with hidden charges that quietly add up.
Users who signed up for RedMart’s delivery subscription found themselves paying S$5.99 monthly for “free delivery” but some only ordered once or twice a month. In practice, that convenience came at a steep price per trip.
More subtly, prices of fresh produce and everyday items tend to be higher on online platforms. A user who compared prices found that a dozen eggs listed at S$3.30 in-store was S$4.10 on Shopee, even before delivery charges. A pack of Japanese cucumbers was S$1.50 more expensive on a grocery app compared to its shelf price at FairPrice. You are not just paying for convenience. You are also paying for markups that are easy to miss.
IN A NUTSHELL
Even without splurging or making impulse buys, shoppers are quietly losing money to subtle strategies built into the grocery system. Smaller product sizes, misleading sale tags, and hidden online markups all add up.
Image Credits: unsplash.com
Smart shopping now means more than sticking to a list. It means staying alert, comparing prices, and questioning deals that look too good to be true.
Why More Singaporeans Are Calling Johor Bahru Home
For years, Johor Bahru (JB) has played the role of Singapore’s unofficial backyard, a place for weekend getaways, late-night suppers, and budget shopping. But what was once a short escape is fast becoming a long-term strategy. An increasing number of Singaporeans are making the move across to JB, not for novelty, but out of necessity.
With the cost of living in Singapore rising at a steady pace, the idea of relocating to JB is gaining mainstream attention. In a 2024 poll reported by The Independent Singapore, 55% of respondents said they would consider moving to JB to cope with growing financial pressure. The attraction is clear: significantly lower housing prices, reduced everyday expenses, and the chance to enjoy a larger living space with fewer financial constraints.
The disparity in property values is striking. According to 99.co, landed homes in popular JB areas such as Bukit Indah, Horizon Hills, or Eco Botanic are priced at around RM800,000, which is approximately SGD230,000. At this price point, buyers can expect multiple floors, a car porch, and a backyard. In Singapore, the same amount might only cover the initial down payment for a small condominium.
Cost savings extend well beyond housing. Monthly expenses such as groceries, petrol, and dining are often up to 50% lower in JB compared to Singapore. For young families, retirees, and those working remotely, this opens the door to greater financial flexibility. Instead of being burdened by rent and rising utility bills, many now redirect their income toward travel, personal development, or long-term investments.
Lifestyle factors are equally compelling. Singaporeans who have relocated to JB often describe the change as liberating. Many report enjoying a slower pace of life, larger homes, and more quality time with family. One working mother even described the experience as gaining back her life after office hours, a sentiment that resonates in today’s high-pressure environment.
Naturally, there are challenges. The commute across the Causeway remains a hurdle, especially during peak hours. Digital payment systems in JB are still catching up to Singapore’s seamless cashless ecosystem. Healthcare access and public services may also differ in quality or efficiency. However, for those who have made the move, these issues are considered manageable trade-offs compared to the overall improvement in lifestyle and cost of living.
Image Credits: unsplash.com
Perhaps most telling is the shift in perception. Moving to JB is no longer seen as a compromise or fallback option. Increasingly, it is viewed as a smart and intentional decision. It reflects a broader movement among Singaporeans who are redefining success and quality of life on their own terms. JB is emerging as a viable and even aspirational home base for individuals seeking more space, more value, and a better balance in everyday life.
CPF Changes in 2025: What Young Singaporeans Should Know
As Central Provident Fund (CPF) marks its 70th anniversary, several key policy changes are being rolled out in 2025 to strengthen long-term financial security for Singaporeans. While many of these updates target older workers and retirees, younger adults are encouraged to understand these changes early to plan effectively for the future.
CPF CONTRIBUTIONS FOR SENIOR WORKERS INCREASED
Since earlier this year, CPF contribution rates for employees aged above 55 to 65 have gone up by a total of 1.5 percentage points. This includes an additional 1% from employees and 0.5% from employers. The aim is to help senior workers build stronger retirement savings as more choose to work beyond age 55. For younger workers, this underscores CPF’s commitment to retirement adequacy for all age groups.
Image Credits: cpf.gov.sg
CPF SALARY CEILING HAS INCREASED
The CPF monthly salary ceiling has increased to S$7,400, up from S$6,800 previously. This change means that a larger portion of higher earners’ wages is now subject to CPF contributions. The ceiling will be raised again to S$8,000 in 2026. Although this change primarily affects those with higher salaries, it benefits long-term savings by increasing CPF contributions over time. This is something younger professionals can factor into their career and income growth.
SPECIAL ACCOUNT CLOSURE AT AGE 55
CPF members turning 55 this year will see their Special Account (SA) automatically closed. Funds are first transferred to the Retirement Account (RA), up to the Full Retirement Sum (FRS), where they continue to earn attractive long-term interest. Any remaining withdrawable balance is moved to the Ordinary Account (OA) and earns a lower interest rate.
Members can still transfer OA savings to their RA, up to the Enhanced Retirement Sum (ERS), to enjoy higher CPF LIFE payouts. Investments under the CPF Investment Scheme-Special Account are not affected and can be retained. Upon maturity or sale, the proceeds will first go to the RA, and any excess will be credited to the OA.
ENHANCED RETIREMENT SUM NOW S$426,000
The Enhanced Retirement Sum (ERS) has been increased to S$426,000, or four times the Basic Retirement Sum. Members who top up to this new limit at age 55 could receive CPF LIFE payouts of approximately S$3,300 per month from age 65, compared to around S$2,500 previously.
Even for those still far from retirement, it’s useful to understand how topping up early can maximize compound interest. CPF’s online tools like the Retirement Payout Estimator and Retirement Dashboard help members plan based on their age and financial goals.
EXPANDED MATCHED RETIREMENT SAVINGS SCHEME
Improvements have also been made to the Matched Retirement Savings Scheme (MRSS). There is no longer an age cap, and eligible members can receive government matching grants of up to S$600 per year for five years, totaling S$2,000.
Young adults can also support older family members by topping up their RA, helping them qualify for these matching grants while enjoying personal tax relief.
70TH CELEBRATION OF CPF
At CPF’s 70th anniversary celebration on July 5 and the launch of its commemorative book “Save & Sound: 70 Years of CPF”, Senior Minister Lee Hsien Loong reflected on CPF’s key role in every Singaporean’s life (i.e., from home ownership and family support to retirement). He also noted that Singapore’s CPF system is internationally recognized as one of the most effective in the world.
Image Credits: unsplash.com
For younger Singaporeans, this is the time to stay informed, track contribution limits, plan top-ups early, and help family members maximize their CPF benefits. To learn more, visit cpf.gov.sg or follow CPF’s official platforms.
Latest WFH internships posted from 14 to 18 July 2025
Looking for a WFH internship?
This week we’ve got opportunities in business & growth management, social media / content creation, and more.
Browse through and apply accordingly.
Good luck!
#1: The Berry Spot – Business & Growth Intern
Website: theberryspot.com
Allowance / Remuneration: $800 – 1,200 monthly
Job Qualifications
- Currently pursuing or recently completed a Bachelor’s/Master’s program (business, management, marketing, etc.)
- Extremely organized, independent, and solution-oriented.
- Eager to work in a growing startup with real responsibilities.
- Confident in tools like Google Drive, Canva, Notion, and Excel/Sheets.
Key Responsibilities
- Supporting SOP documentations and streamlining internal workflows;
- Assisting with finance tracking (basic reporting, cost analysis, inventory tools);
- Helping coordinate marketing tasks and campaigns;
- Organizing tasks and timelines across projects and outlets;
- Researching benchmarks and supporting special projects (e.g., investor decks, new outlets planning).
How to apply?
View the job post here and write to Gabriel via this link.
#2: Revergoods – Social Media / Content Creation Intern
Website: revergoods.com
Allowance / Remuneration: $800 – 1,200 monthly
Job Qualifications
- A good eye for detail, styling, and visual composition
- Comfortable shooting/editing with phone or camera
- Familiar with Instagram, TikTok, and visual trends
- Self-driven, responsible, and open to feedback
- Bonus: Comfortable being in front of the camera occasionally
- Students in design, media, marketing, or related fields are welcome
Key Responsibilities
- Photograph and film products (flat lays, lifestyle shots, styling scenes)
- Conceptualise and shoot creative, on-brand content
- Create light UGC-style clips — like outfit-of-the-day, styling reels, or unboxings (optional)
- Stay in tune with trends and maintain brand consistency in content
How to apply?
View the job post here and send your application to info@revergoods.com.
#3: Nanyang Inc Pte Ltd – Digital Marketing Intern
Website: nanyanginc.com
Allowance / Remuneration: $650 – 1,000 monthly
Job Qualifications
- Strong interest in marketing, branding, and creative communications
- A keen eye for design and visual aesthetics
- Good communication skills and professional work etiquette
- Positive attitude and a willingness to learn
- Self-motivated, proactive, and able to work independently or in a team
- Strong time management skills and the ability to meet deadlines consistently
- Proficient in Google Workspace (Gmail, Drive, Photos, Sheets, Forms)
- Comfortable with Microsoft Office applications (Word, Excel, PowerPoint)
- Familiar with Canva and basic video editing tools (e.g., CapCut, VLLO, or similar)
- Bonus: Knowledge of Adobe Photoshop, Adobe Illustrator, AutoCAD, or SketchUp
Key Responsibilities
- Assist in the creation of marketing content and visuals
- Capture photos and videos of completed installations
- Support the enhancement of chatbot features and functionality
- Contribute ideas in brainstorming and conceptualising proposals
- Assist in basic video editing tasks for marketing and project documentation
- Provide general support to the team on various ad hoc tasks as required
How to apply?
View the job post here and send your resume and portfolio (if any) via https://forms.gle/cB3oU1Y1tBg167Xg6.
#4: Singapore Aero Engine Services Private Limited – HR Talent Acquisition Intern
Website: saesl.com.sg
Allowance / Remuneration: $800 – 1,200 monthly
Job Qualifications
- Not specified.
Key Responsibilities
- Assist with the administration of the TA process: data entry, arranging medical check-ups, arranging interviews, conducting assessment centre, etc.
- Assist with screening of resumes (for certain roles).
- Assist with Career Fairs administration: Logistics preparation, attending career fairs, managing database of interested candidates, follow-up with interested candidates, etc.
- Assist with data collections: collect data on hiring success rate, career fair success rate, TA SLA, etc.
- Assist with improvement projects, such as creating or improving automation within TA processes, branding projects, and TA process improvement projects, among others.
- One intern will be appointed as ‘Intern Manager’ in managing internship matters from sourcing to the exit of interns.
How to apply?
View the job post here and send your resume to jiayi.tang@saesl.com.sg.
#5: BeetleLabs – Account Executive
Website: beetlelabs.ai
Allowance / Remuneration: $500 – 7,000 monthly
Job Qualifications
- Entrepreneurial, hungry, and self-driven—you thrive without micromanagement
- Strong communicator who can build trust and articulate value to senior stakeholders
- 2–5 years of experience in B2B sales, ideally in SaaS, fintech, or professional services
- You live in Singapore (or are well-networked there) and understand the startup ecosystem
- Bonus: Exposure to compliance, regtech, or financial services
Key Responsibilities
- Own the full sales cycle—from prospecting to closing—for Singapore-based fintechs, startups, and financial institutions
- Build and manage a pipeline of qualified leads via cold outreach, networking, and referrals
- Craft compelling pitches that demonstrate product value to compliance and risk leaders
- Collaborate with the founding team on pricing strategy, product-market fit, and sales enablement
- Gather customer feedback to help shape our roadmap
- Represent BeetleLabs in customer meetings, demos, and industry events
How to apply?
View the job post here and write to Akshay Khandelwal via this link.
Editor’s note: These positions are selected based on the “remote” tag, but some are hybrid ones, and you may need to report to the office physically. For more details, contact the employer directly.
FairPrice has ‘buy 1 get 1 free’ offers on products such as Cowhead natural cheese slices & more till 23 July 2025
You’re in here for the ‘buy 1 get 1 free’ items from FairPrice this week, right?
So let’s jump right into the list.
Promotion ends on Wednesday, 23 July 2025, so make your purchase fast
Buy 1 Get 1 Free
Cowhead Natural Cheese Slices – Cheddar
Promo Price: 2 for $7.60 (was $7.60 each)
Cowhead Natural Cheddar Slices are made from pasteurized cow’s milk in the Netherlands, the real deal when it comes to rich, smooth cheddar flavor. Goes well with sandwiches as it is paired with crackers.
FairPrice Canister Disinfectant Wipes
Promo Price: 2 for $7.65 (was $7.65 each)
Armed with a 99.9% bacteria-blasting formula, these wipes leave surfaces clean without stickiness in sight. Countertops, door handles, toys – you name it, they will sanitize it. Plus, each wipe releases a citrus scent to chase away odors and leave your space smelling fresher than before.
Colgate Sensitive Pro-Relief Toothpaste (Assorted)
Promo Price: 2 for $8.65 (was $8.65 each)
For teeth that have been through it all, Colgate Sensitive Pro-Relief toothpaste is the saving grace you’ve been waiting for. Whether your enamel is in need of some extra TLC or you just want a gentler clean, these tubes have your back.
Eversoft Shower Cream (Assorted)
Promo Price: 2 for $11 (was $11 each)
Eversoft’s shower cream selection offers over 10 types/scents to choose from, like aloe vera, tea tree oil, bamboo charcoal, and more. For the cleanliness-obsessed, Eversoft even has anti-bacterial options that will leave you feeling super clean from neck to toe.
Depend Protect Plus Pants Unisex Adult Diaper (Assorted Sizes)
Promo Price: 2 for $13.34 (was $13.34 each)
As the #1 adult diaper brand in the USA, Depend delivers quality and reliability when it matters most. Their Protect Plus pants are designed for up to 12 hours of worry-free protection, with a secure yet comfy fit that accommodates a range of body shapes from size M to XL.
Cielo Cream Hair Colour (Assorted)
Promo Price: 2 for $19.90 (was $19.90 each)
This Japanese hair color range serves up brunettes, golden browns, and natural blacks—all designed to hide grays and breathe new life into your locks. Made to provide easy gray coverage, these colors will swipe away every last stray for an even finish.
Walch 9X Laundry Capsules Refill
Promo Price: 2 for $34.52 (was $34.52 each)
Say goodbye to smelly gym socks and stains. The Walch 9X Laundry Capsules kill 99.9% of germs while tackling odors, making your clothes feel fresh out of the washing machine. The anti-mite formula also rids your fabrics of dust mites and other allergens. No more 鼻涕 on laundry day!