Don't look down on small money

Personally, I use healthy 365 to accumulate points in exchange for public transport vouchers and I also can keep up with my exercise routine too.

I also use a popular singapore e-commerce app to gain coins to offset my online spending.

The important thing is to build the mental discipline of not ignoring small money which helps you to save money and not waste it.

I read of a Japanese woman who ate the same meal for several years to save money for her properties. While I won't go to that extreme, but setting a goal will motivate you to be disciplined.

Reading biographies of rich people, you will find out that they don't ignore small money. For example warren buffett picks up discarded horse racing tickets when young and he still uses discount coupons when eating mcdonald's. Mark Cuban goes grocery shopping only at the last minute to get discounts. Li ka shing picks up 2 dollar coin he dropped even if he is filthy rich.