Thanks for all your replies
I live in Denmark and right now my husband and i dont live together (dont ask why - long story).
My income is not large - most of it are gone again on apartment, electricity, tv+internet, stuff for my kids ect.
I rarely buy things/clothes for myself - dont have the money and my kids are more important
Other than that i dont use that much - i buy what´s nessesary. I´m not miss Shopaholic
And i dont save anything at the moment - just not money in the budget for that
I get in S$ about 3½-4k (after tax and with all child-money ect incl) - so i can see your point
My husband get around S$ 5k (after tax) - and he also have to pay rent, tv, internet, electricity ect ect.
We dont drink - only on special occations, but i smoke a bit (try to quit soon). Dont dine out - a couple of times per year.
My husband enjoy Golf - i dont know how expensive that sport is in Singapore but here he pays S$ 1.200 per year minimum for a membership. And that´s cheap in Denmark
I enjoy horseback riding, but dont know if it´s possible in Singapore.
But other than that we dont use money.