using a bike can help in a number of ways:
-allows u to live somewhere remote (by foot) but cheaper and better.
-cycle everyday to work means u can save money/time on gym
even better, use a folding bike to combine with MRT (can bring in) that can get you almost everywhere without the worry of bicycle get stolen in front of the station.
road surface are good but u need to cycle defensive, always look out for careless drivers (not a lot, but even a few is too much)
you can do pretty nice things with the money safe. e.g. buy the most expensive bike to show off