Are you a savvy consumer who knows exactly how you can minimise certain aspects of your monthly budget without giving up too much? Being aware that you may be overspending on certain things is your first step to saving more money for things that truly matter to you and your loved ones. Below, we at show you a handful of everyday services that most people are likely spending more money on than they should be. We also include alternatives that you can consider without feeling a tinge of guilt.

3 Everyday Services Most Singaporeans Overpay

1. Gym fees

Unless you are a hardcore fitness buff who spends the majority of your time hitting it at the gym, gym memberships probably aren't worth the hundreds or even thousands you are paying. Working out doesn't have to cost a bomb, really.

Even if you don't have access to your own personal gym or the shared facility at the condominium, it's not the end of the world - just head to one of those ActiveSG gyms peppered across the country. Those who go to the gym rather infrequently will be happy to know that each visit will only set you back at $2.50 if you are an adult Singaporean or PR.

And for those who don't bother using fancy machines, you can do your workouts in the comfort of your own home; all you have to do is tune in to YouTube. This is how I exercise without having to pay any extra or drag myself out of the house. Some of my favourite fitness YouTube channels include FitnessBlender and Blogilates.

2. Haircuts

Maybe it's a matter of preference but I'd rather not waste my money on haircuts that cost $30 to $50 a pop. While nobody can deny how shiok it is to have so your head and stiff neck massaged at a fancy salon when you go for a haircut + wash combo, it is rather spendy in my opinion if you tend to visit salons on the regular.

To save money on haircuts (especially if you are a guy), consider going to those that charge a standard $10 for each haircut. You'll get basic service and your hair free from dead ends at a bargain. Express chains like EC House, QB House, K-Cuts, Okinawa are literally everywhere in Singapore.

For the ultimate penny pincher out there, check out Snip Avenue. They offer basic haircuts for just $3.80, which is probably less money than your favourite cup of bubble tea or usual lunch order of chicken rice.

3. Car washes

The expenses of owning a car don't stop at the crazy amounts we pay for the COE, the car itself, maintenance, road tax, car park fees and insurance. Considering that a premium car grooming service in Singapore can cost you upwards of $100 each time, including a car wash and probably express wax, it can easily add up month after month depending on how frequently you doll up your car.

A much more cost-effective way to keep the exterior of your car clean is to (i) do it yourself, or (ii) opt for a no-frills basic car wash at petrol stations. The latter will likely cost you around $5 to $8 while the former is even more inexpensive though it may help to think of it as a built-in physical workout session that you should commit to because you get to kill two birds with one stone.