Since WFH, the main portion of our expenses usually goes towards food. I reduced this expenditure by reducing the number of times I dine out/takeaway or order delivery. Instead, my family does grocery shopping and we take turns to cook for the family during the week. This way we drastically reduce the amount spent on food, plus we get to eat healthier food and learn a new skill all at the same time.
But not gonna lie though, the first 2 weeks of this arrangement was real tough since only my mother was a good cook prior.
Of course, due to our schedules, sometimes no one is available to whip a meal up for the family. When this happens, we order delivery instead. By grouping up with neighbours at times, the order is eligible for more discounts saving us a ton. I usually order via Grab using paylater. This way at the end of the month, I can charge the amount to my DBS credit card, then use My Preferred Payment Plan to pay off the charge over 3 or 6 months which happens to have an ongoing promotion with no one-time processing fee and 0% effective interest. The cash “saved” then works harder for me in my investments or simply by earning interest in my bank account.