What are the most expensive costs in Singapore?

The most expensive costs in Singapore are housing, car ownership, and international school fees. Housing, particularly renting, is a major budget drain. A 1-bedroom apartment in the city center averages S$3,500-S$5,000 per month, easily consuming 30-40% of your income. Even a smaller HDB flat (public housing) can run S$2,500-S$3,500 for a 3-room unit. Car ownership is exorbitant due to the Certificate of Entitlement (COE) system. A basic Toyota Corolla can cost S$120,000-S$150,000, with the COE alone often exceeding S$100,000 for 10 years. Public transport is excellent and affordable, with monthly passes around S$120. For expat families, international school fees are another huge expense, often S$25,000-S$45,000 per child annually. While groceries and utilities are reasonable, dining out frequently adds up, with a mid-range restaurant meal for two costing S$80-S$150. Prioritize public transport and explore local hawker centers for meals to manage daily expenses effectively.