Monthly Archives: January 2026

If you’re planning a holiday, you probably know how easy it is for costs to spiral out of control. From flights and accommodation to food, shopping, and attractions, holiday expenses can quickly add up. But here’s the good news: you can enjoy your holiday without draining your wallet. With the right strategies, you can travel smartly, save money, and still make unforgettable memories.

Here’s a practical, step-by-step guide on how you can save during holiday trips from a Singaporean perspective.

1. Start Planning Early

One of the biggest ways to save on your holiday is to plan early. Last-minute bookings often cost you more, whether it’s flights, accommodation, or activities.

• Flights: Sign up for flight alerts on platforms like Skyscanner, Google Flights, or Expedia. Singapore Airlines, Scoot, and Jetstar regularly run promotions that can save you hundreds of dollars if you book early. Try booking 3–6 months in advance for the best rates.

   

• Accommodation: Use platforms like Booking.com, Agoda, or Airbnb. Early bookings give you more options and allow you to choose accommodations that balance comfort and cost.

   

Pro tip: If your schedule allows, consider midweek flights instead of weekend departures—they’re often cheaper and less crowded.

2. Set a Realistic Budget

Before you even start booking, you need a holiday budget. This helps you know how much you can spend and prevents overspending.

• Categorize your spending: Divide your budget into flights, accommodation, food, transportation, shopping, and activities.

   

• Use budgeting apps: Seedly, MoneyOwl, or Fave can help you track your spending and make sure you stay within limits.

   

• Include a buffer: Unexpected expenses happen. Add a 10–15% buffer to your budget for emergencies or spontaneous activities.

   

By knowing exactly what you can afford, you can make better decisions and still enjoy your holiday without guilt.

3. Travel During Off-Peak Seasons

You don’t have to travel during school holidays or festive seasons. Off-peak travel can save you hundreds on flights and hotels.

• Cheaper flights and accommodation: Traveling outside peak periods often means lower rates and more room choices.

   

• Fewer crowds: You can explore attractions without waiting in long lines.

   

For example, visiting Japan in early spring or Bali in late January can save you money while still offering an amazing experience. Always check school holidays and public holidays in your destination country to avoid hidden peaks.

4. Use Rewards Points and Travel Deals

If you’re like most Singaporeans, you probably have credit card points or loyalty programs you can leverage. These can make a big difference in your travel costs.

• Credit card travel points: Cards like DBS Altitude, Citi PremierMiles, or UOB PRVI Miles let you convert points into flights or hotel stays.

   

• Airline loyalty programs: KrisFlyer, Scoot Insider, and other airline programs often offer discounted fares or upgrades.

   

• Travel bundles: Sites like Agoda or Expedia sometimes offer flight + hotel bundles that are cheaper than booking separately.

   

Pro tip: Use your accumulated points throughout the year to redeem flights or hotel stays. Even partial redemptions can save you hundreds.

5. Choose Affordable Accommodation

Accommodation is usually the biggest cost in a holiday budget. Here’s how you can stay comfortable without overspending:

• Airbnb or serviced apartments: Ideal for families or groups. Cooking your own meals can reduce food costs.

   

• Hostels or capsule hotels: Cities like Tokyo, Seoul, and Bangkok offer clean, modern hostels at a fraction of hotel prices.

   

• Stay slightly outside the city center: Central hotels are convenient but expensive. Staying a little further out can save money without sacrificing access.

   

Pro tip: Always check reviews and accessibility to public transport before booking. A cheap hotel isn’t worth it if it costs you extra in transport.

6. Eat Like a Local

Food can be one of the largest holiday expenses, but you can enjoy local cuisine without overspending.

• Street food and local markets: These often offer the most authentic dishes at much lower prices than tourist restaurants.

   

• Avoid hotel restaurants: While convenient, hotel dining is often overpriced.

   

• Self-catering: If you’re staying in an Airbnb, buy groceries and cook some meals. It saves money and gives you more flexibility.

   

Pro tip: Trying local dishes isn’t just cheaper—it’s an experience in itself.

7. Use Public Transport

Taxis and ride-hailing services can quickly drain your budget. Public transport is usually cheaper, faster, and more efficient.

• Metro and buses: Cities like Tokyo, Seoul, and Bangkok have reliable transport systems.

   

• Travel passes: Consider multi-day metro or bus passes for unlimited rides.

   

• Walking: For city centers, walking is free and gives you a chance to discover hidden spots.

   

Pro tip: Research transport options before your trip so you’re not forced into expensive rides.

8. Shop Smart and Avoid Impulse Purchases

Shopping is fun, but it can be a major cost. Keep these tips in mind:

• Set a budget: Decide how much you can spend on souvenirs and gifts.

   

• Buy local: Instead of expensive international brands, choose local crafts or foods unique to the destination.

   

• Avoid airport shops: Prices are usually inflated. Buy souvenirs in town for better deals.

   

Pro tip: Duty-free shopping is only worth it if you compare prices beforehand.

9. Plan Free or Low-Cost Activities

You don’t have to spend a fortune to enjoy your holiday. Many experiences are free or inexpensive:

• Museums and cultural sites: Many offer free entry on specific days.

   

• Nature excursions: Beaches, parks, and hiking trails are often free or very cheap.

   

• Walking tours: Self-guided tours let you explore at your own pace without paying for expensive guided tours.

   

Pro tip: Check local tourism websites for free events, markets, and festivals.

10. Get Travel Insurance

While it may seem like an extra cost, travel insurance can save you a lot in emergencies.

• Coverage: Look for plans that cover medical emergencies, trip cancellations, lost baggage, and flight delays.

   

• Compare plans: Great Eastern Travel Insurance, AXA, and NTUC Income offer affordable options for Singaporeans.

   

• Don’t skimp: Choose a plan that balances cost and coverage.

   

Pro tip: Some credit cards provide complimentary travel insurance if you pay for your trip using the card.

11. Use Local SIM Cards or eSIMs

Avoid expensive roaming charges by getting a local SIM or eSIM.

• Prepaid SIMs: Available at airports or convenience stores.

   

• eSIMs: Can be activated before departure, saving time and money.

   

• Wi-Fi hotspots: Use cafes, hotels, or public areas with free Wi-Fi.

   

Pro tip: Download offline maps and translation apps to reduce data usage.

12. Share Costs With Travel Companions

Traveling with friends or family can reduce costs. Sharing is caring when it comes to travel expenses:

• Accommodation: Split Airbnb or hotel rooms among your group.

   

• Transport: Ride-sharing or renting a van reduces per-person costs.

   

• Meals: Sharing portions at restaurants can be more economical.

   

Pro tip: Use a shared budgeting app to track group expenses and avoid misunderstandings.

13. Consider Alternative Destinations

Sometimes the most popular destinations aren’t the most cost-effective. Think outside the box:

• Southeast Asia: Vietnam, Cambodia, and the Philippines offer amazing experiences at lower costs than Japan or Europe.

   

• Offbeat cities: Instead of Tokyo, consider Osaka or Fukuoka; instead of Paris, try Lyon or Strasbourg.

   

Pro tip: Research visa requirements and living costs to make sure your alternative destination truly saves money.

14. Use Apps and Technology

Leverage technology to travel smarter and cheaper:

• Flight and hotel comparison apps: Kayak, Hopper, Agoda, or Booking.com.

   

• Expense tracking apps: TravelSpend or Splitwise.

   

• Discount platforms: Klook, KKday, and Fave offer deals on activities, attractions, and dining.

   

Pro tip: Cross-check deals across platforms to ensure you’re getting the best price.

15. Final Tips for Saving on Your Holiday

• Pack smart: Avoid overweight baggage fees.

   

• Bring snacks: Airport and convenience store food can be expensive.

   

• Avoid unnecessary upgrades: First-class or luxury hotel upgrades are tempting but not always worth the cost.

   

• Plan your itinerary wisely: Efficient planning saves both time and money.

   

With these strategies, you can enjoy a fulfilling holiday while staying within budget. Remember, smart travel is not about spending the least—it’s about making the most of your money.