Another idea to live cheap in Singapore.
Buy your insurance young, especially the life and medical
ones.
Personal Libabilities & accidents stuffs are really good
when you encounter minor accident.
Get a one year travel insurance too, if you travel often like I
do. Though i only spent 3 months here, 1 month there or just
1 day in Malaysia motorcycle touring per week.
That travel insurance comes in handy.
Though I had PA & Accident insurance on the time of my fall
from my motorcycle in mersing Malaysia, I didnt have travel
insurance. My friends took me as a pillion and bring me back
to Singapore for medical treatment.
So. I wasnt able to claim any other fees, though my PA insurance
paid for some of my hospital fee.