The Singapore Savings Bonds (SSB) November 2026 issue pays 1.67% in the first year and a 2.45% average over 10 years, the highest 10-year average since July 2025. Here’s how it compares, whether I’m putting fresh money in, and why I’m not recycling my older tranches. The post Singapore Savings Bonds (SSB) Nov 2026: Year 1 (1.67%), 10-Year (2.45%) & Results appeared first on Turtle Investor.

Everyone has their own tricks for saving a few bucks, but some methods go far beyond clipping coupons or skipping takeout. A whole world of ultra-frugal strategies stays hidden, either because they’re a little unusual, a little quirky, or just too personal to share. Some of them get raised eyebrows. Walking over an hour to work? Tearing the stems off your vegetables? As odd as they sound, small habits like these add up. There’s frugal, and then there’s really frugal. Here are eleven extreme habits that really do put money back in your pocket. You can try them or skip them: it’s all up to you! Take Home Leftovers From Work One clever way to save on groceries? Working somewhere that gives away leftover food. In a hospital kitchen, after meals are served, the remaining food often goes unclaimed, and it’s not uncommon to be allowed to take some home. The same is true for some food establishments.  With enough access, it’s possible to coast through an entire summer without spending much, if anything, on food. Every workplace has its own rules, so it never hurts to ask what happens to the extra food at the end of a shift. Walk To Work, Even if It Takes Over an Hour Commuting on foot isn’t unusual, but doing it for over an hour each way without ever mentioning the distance? That’s dedication. It’s a great way to save on gas, reduce wear on a car, and stay in shape. When you add up fuel, parking, and maintenance, the savings can be significant. Some people even find the walk becomes the best part of their day, a chance to clear their head before and after work. Tear the Stems off Your Produce Every gram counts at the grocery store, especially when produce is priced by weight. One easy (if slightly meticulous) trick is removing vegetable stems before checkout. It doesn’t seem like much, but over time, the savings add up. Think of broccoli, celery, and leafy greens. You’re only paying for the parts you’ll actually eat, and the stems often end up in the trash anyway. Reuse the Free Shopper Papers at Your Door Those free shopper papers that pile up in driveways? They’re more useful than they look. They’re great for tasks like cleaning windows, protecting surfaces during messy jobs, or scooping cat litter. The bags they come in are an added bonus. Newspaper works on glass because it doesn’t leave lint behind, and it makes a fine drop cloth for painting or a craft project. Instead of buying paper towels or plastic sheeting for these jobs, you’re using something you already have. Sew Reusable Cloth Pads DIY solutions can cut down recurring expenses. For menstrual products, sewing reusable cloth pads not only saves money but also adds a touch of personality and comfort. They’re easy to clean, fun to customize, and eliminate the need for constant repurchasing. This one isn’t for everyone, but for people who like a little sewing

Saving money often means being smart and disciplined: cutting out luxuries, sticking to budgets, and maybe brewing your own coffee instead of grabbing a $6 latte every morning. Some frugal tips are pretty common knowledge, such as buying generic brands, shopping for things on sale, and eating at home instead of dining out. However, there are a lot of others out there that relatively few have heard about. A few of them sound a little silly when you say them out loud. Buying extra lip balm? Paying a fee to have groceries delivered? Wearing your hood indoors? They look wasteful, or just plain odd, until you see what they do for your budget. Here are nine habits that earn their spot. You don’t have to try them all. Pick the ones that fit your life, and let the rest make you smile. Buy More Than One Lip Balm This might sound wasteful, but there’s good sense behind it. How many times have you forgotten where your lip balm is and had to buy a new one? Some people get one for work, one for the car, one for the bathroom counter, and so on. The same idea works for other small things that constantly go missing, like nail clippers, phone chargers, or reading glasses. A cheap backup in the spot where you need it costs less than replacing the original over and over, and it saves you the annoyance of a last-minute store run. And if you manage to get the extras for ridiculously cheap while couponing, then all the better! Pay the Fee for Grocery Delivery Grocery delivery usually comes with an extra charge, so it might not sound very frugal. However, ordering remotely will cut down on impulsive buying and make you more likely to order just what you need, and the savings will exceed the surcharge. Think about the last time you walked into a store for milk and left with a full cart. When you shop from your phone, there are no end-cap displays, no free-sample tables, and no snacks calling your name while you’re hungry. A written list plus a delivery order is one of the easiest ways to keep your grocery total in check. Keep a Bin of “Someday” Odds and Ends Use a separate bin or cabinet for storing and organizing little things left over from previous usage that you might need in the future. An example would be a hex tool that came with a bookshelf you put together. It’s the extra cabinet knobs, the spare screws, the leftover furniture bolts, and the tiny wrench from that dresser. Most of us toss these things and then buy replacements a year later. Keeping them in one labeled spot means the next small repair costs you nothing. Add Water to Your Dish Soap and Laundry Detergent A liquid dish and laundry detergent can last a lot longer if you add water to it. It’ll still do its job most of

Your wedding day is one of the most important days of your life, but it can also be one of the most expensive. You want your day to be perfect, but with the average cost of a wedding in America totaling $25,200, that price tag is hard to swallow. That’s a lot of money to pay for a few hours of celebration. It’s tough to cut back on your wedding. After all, it’s a celebration of […]

🎙️ Episode #507 – Real estate isn’t passive at first, but it can become passive enough. Here’s how I got 96 rentals down to 2… The post How I Manage 96 Rental Units in 2 Hours a Week appeared first on Coach Carson.

In 2014, through some contract work I was doing in the travel industry, I found a last-minute cruise deal on the Mediterranean. In my pre-Mum life, I worked in the travel industry and I know how popular cruise travel has become.  And for good reason – your holiday begins the minute you board. If you … Read more

Learning how to be frugal can feel a little strange when you’ve never really had to watch your money before. Maybe you’ve always been able to fill your grocery cart without paying much attention to the total, replace something when it broke, grab takeout when you didn’t feel like cooking or buy something you wanted without giving it much thought. But sometimes life changes. Maybe your income has changed, you’re approaching retirement and realizing you want your […]

I’ll do just about anything to avoid actually going in the store these days. I do go into Winco every month or two for a big grocery haul and I’ll stop by Grocery Outlet when I’m in the neighborhood, but other than that, I order everything from Walmart and Sam’s Club online and pick it up curbside or have it shipped to me. Getting both curbside pick-up and shipping free without adding impulse filler items […]