How AIC Cuts Elderly Care Costs Without Forcing You to Quit Your Job

 

Introduction: The Real Cost Is Not Just Money

The real danger of ageing parents is not the hospital bill.

It’s:

  • Burnout

  • Career stagnation

  • Long-term income loss

AIC focuses on keeping seniors supported at home, while adults stay employed.


1️⃣ Day Care & Dementia Care (Biggest Saver)

Market vs Subsidised Cost

ItemMarket RateAfter Subsidy
Dementia Day Care$1,200/month$120/month

📊 Monthly Cost Chart

Market: $1,200 Subsidised: $120

👉 Annual savings: $12,960

This one subsidy alone:

  • Keeps both parents working

  • Preserves CPF contributions

  • Prevents long-term income loss


2️⃣ Home Caregiving Grant (HCG) This will be further enhanced in 2026

$250 - $400/month cash, deposited automatically.

UsageMonthly
Transport$50 - $150
Diapers & supplies$80 - $120
Helper support$120 - $130

👉 Annual cash support: $3000 - $4,800

No receipts. No reimbursement nonsense.


3️⃣ Mobility & Assistive Devices Subsidy

ItemNormal CostAfter Subsidy
Wheelchair$800$80
Walking frame$300$30

👉 One-time savings: $990


Total Annual Impact (Conservative)

AreaSavings
Day care$12,960
HCG$4,800
Assistive devices$990
Total$18,750/year

That’s real money, not theory.


Key Takeaway 

If you quit work to care for parents,
you lose far more than what care costs.

AIC exists to prevent that mistake.

AIC Singapore Explained: A Middle-Income Family Survival Guide (lewwenwan.blogspot.com perspective)

 

Introduction: Middle Income, Maximum Pressure

If you are earning a “decent” income in Singapore, chances are you feel the most squeezed.

Too much income for help,
Too little margin for mistakes.

In my household, it’s simple:

  • Two working adults

  • Two school-going children

  • Ageing parents with growing medical needs

Every dollar is already allocated before salary even comes in.

This is where many middle-income families miss out on one crucial support system — Agency for Integrated Care (AIC).


What Exactly Is AIC (In Plain English)

AIC is the main coordinator for eldercare and long-term care support in Singapore.

Think of AIC as:

“The front door to subsidies, care services, and caregiving support.”

They don’t replace hospitals.
They connect families to affordable care before things spiral out of control.


Why Middle-Income Families Still Qualify

This is the biggest myth:

“I earn too much. Confirm cannot get anything.”

Wrong.

AIC uses Per Capita Household Income (PCHI).

Example Calculation

Household income: $9,600
Household size: 4 people

PCHI = $2,400

That qualifies for substantial subsidies.


Key AIC Support You Should Know (Overview Table)

SupportWhat It Covers   Typical Savings
Long-Term Care Subsidies   Day care, home nursing    $8k–$12k/year
Home Caregiving Grant         Cash payout        $4,800/year
MediSave CareMonthly cash$2,400/year

Example: Day Care Subsidy (Realistic Numbers)

Without AIC subsidy

  • Senior day care: $1,000/month

With 80% subsidy

  • You pay: $200/month

📊 Simple Cost Comparison (Text Chart)

Without subsidy: $1,000 With subsidy: $200

👉 Annual savings: $9,600

That’s:

  • 1 year of childcare fees, or

  • 2 family holidays, or

  • A serious buffer against emergencies


Why This Matters for Families Like Ours

If caregiving becomes unmanaged:

  • One spouse cuts working hours

  • Income drops permanently

  • Retirement plans collapse silently

AIC isn’t “aid”.
It’s financial damage control.


If you are middle income and caring for parents:

  • AIC is relevant

  • AIC is necessary

  • AIC saves real money

Not knowing costs you more than applying.


For myself i have applied for the AIC which provide a monthly cash for my mum who is disabled for 10+ years. The cost subsidy amounts to $4,200 per year which is about $42k for the 10years. It definitely adds up over the years. 

How I Save Electricity in My 4-Room HDB Flat: 5 Practical Ways That Actually Work

Living in Singapore, electricity is one of those expenses we can’t escape. The weather is hot, air-conditioning feels like a necessity, and most of us spend a lot of time at home — whether it’s working remotely, resting, or spending time with family.

For a typical 4-room HDB flat, electricity bills can easily range from $150 to $250 a month, sometimes even more during hotter months. Over a year, that adds up to a few thousand dollars quietly flowing out of our pockets.

On lewwenwan.blogspot.com, I often write about practical ways to manage everyday expenses — not extreme cost-cutting, but sustainable habits that make sense for normal Singapore households. Saving electricity is one of those areas where small, realistic changes can produce meaningful results over time.

In this article, I want to share 5 practical ways I focus on saving electricity in a 4-room HDB flat, why they work, and how they can realistically reduce your monthly and yearly bills.


Before We Start: Where Electricity Really Goes in a 4-Room HDB

One important lesson I learned early on is this:
👉 Not all electricity usage is equal.

In a typical 4-room HDB flat, electricity consumption roughly looks like this:

  • Air-conditioning: 40–50%

  • Refrigerator: 15–20%

  • Lighting: 8–12%

  • Water heating: 8–10%

  • Other appliances (TV, washing machine, computers, chargers): 10–15%

This tells us something very important. If we want real savings, we must focus on the big-ticket items, not just small habits that make us feel productive but don’t move the bill much.


1. I Use Air-Conditioning Smarter, Not Less

Let’s be honest — in Singapore, asking people to stop using air-conditioning is unrealistic. The key is not to avoid air-con, but to use it wisely.

What I Do

  • Set the air-con temperature at 25–26°C instead of blasting it at 22°C.

  • Use fan mode or eco mode whenever possible.

  • Pair the air-con with a standing or ceiling fan to circulate cool air.

  • Close bedroom doors and windows properly.

  • Clean air-con filters regularly.

Why This Works

Every 1°C increase in air-con temperature can reduce electricity consumption by about 5–10%. Many of us overcool our rooms without realising it — especially at night.

With a fan helping air circulation, a slightly higher temperature still feels comfortable but consumes far less electricity.

Realistic Savings

  • Reducing air-con usage by 1–2 hours a day

  • Increasing thermostat by 1–2°C

👉 Monthly savings: $20–$30
👉 Yearly savings: $240–$360

This alone already makes a noticeable difference on the bill.


2. I Switched All My Lights to LED (One-Time Effort)

Lighting is one of the easiest areas to optimise. Many older flats still use halogen or CFL bulbs, especially in bathrooms, kitchens, or service yards.

What I Do

  • Replace every bulb with LED lighting.

  • Use warm or neutral tones for living spaces.

  • Make it a habit to switch off lights in unused rooms.

Why This Works

LED lights:

  • Use up to 80% less electricity

  • Last many times longer than traditional bulbs

  • Produce less heat (which also reduces cooling load)

Once installed, you don’t need to think about it again for years.

Realistic Savings

For a 4-room HDB flat with 12–15 light points:

👉 Monthly savings: $8–$12
👉 Yearly savings: $96–$144

LEDs usually pay for themselves within the first year.


3. I Cut Down on “Hidden” Standby Power

One of the most underestimated sources of electricity waste is standby power — electricity used by appliances that are “off” but still plugged in.

This includes:

  • TVs and set-top boxes

  • Game consoles

  • Wi-Fi routers

  • Desktop computers

  • Phone chargers

What I Do

  • Use power extension strips with switches.

  • Turn off electronics at the plug before sleeping.

  • Unplug chargers when not in use.

Why This Works

Each device uses only a small amount of electricity, but together they run 24 hours a day, every day of the year. Over time, this adds up.

Standby power can account for 5–10% of household electricity consumption.

Realistic Savings

👉 Monthly savings: $5–$10
👉 Yearly savings: $60–$120

It’s not glamorous, but it’s one of the easiest habits to maintain.


4. I Use Household Appliances More Efficiently

Appliances quietly consume electricity every day, especially the ones we use automatically without thinking.

What I Focus On

Washing Machine

  • Wash only when there is a full load.

  • Use cold water whenever possible.

  • Avoid frequent small washes.

Refrigerator

  • Don’t overstuff or leave it half-empty.

  • Set it to recommended temperature, not the coldest.

  • Minimise unnecessary door opening.

Water Heater

  • Reduce heater temperature slightly.

  • Switch off storage heaters when not needed.

  • Keep showers efficient.

Why This Works

These appliances operate frequently and consistently. Even small efficiency gains compound over weeks and months.

Realistic Savings

👉 Monthly savings: $10–$20
👉 Yearly savings: $120–$240

This is where disciplined habits quietly produce real financial impact.


5. I Track My Electricity Usage and Adjust Accordingly

One habit that changed how I think about electricity is tracking usage.

Most households in Singapore now have smart meters, and electricity retailers provide apps that show monthly or even daily consumption.

What I Do

  • Review monthly electricity usage.

  • Look out for spikes during hotter months or holidays.

  • Set a realistic monthly target.

  • Involve family members so everyone is aware.

Why This Works

When you see actual numbers, behaviour changes naturally. Studies show households that track energy usage reduce consumption by 5–15%, even without major changes.

Awareness is powerful.

Realistic Savings

👉 Monthly savings: $5–$10
👉 Yearly savings: $60–$120

This is a low-effort habit with long-term benefits.


Total Savings You Can Expect in a 4-Room HDB Flat

Here’s a realistic summary:

AreaMonthly SavingsYearly Savings
Smarter air-con use$20–$30$240–$360
LED lighting$8–$12$96–$144
Standby power reduction$5–$10$60–$120
Efficient appliance use$10–$20$120–$240
Tracking & awareness$5–$10$60–$120
Total$48–$82$576–$984

Most households can realistically save $600 to almost $1,000 a year without sacrificing comfort.


Final Thoughts (Lew Wen Wan Perspective)

Saving electricity isn’t about extreme frugality. It’s about being intentional with how we use energy in our homes.

In a 4-room HDB flat, the biggest wins come from:

  • Smarter air-conditioning habits

  • One-time upgrades like LED lighting

  • Daily awareness and discipline

As electricity prices continue to fluctuate, these habits protect your household budget in the long run. The savings may seem small monthly, but over years, they compound into thousands of dollars.

On lewwenwan.blogspot.com, I believe in practical personal finance — and reducing recurring expenses like electricity is one of the simplest ways to improve financial resilience.

Current, practical comparison of live electricity retail plans in Singapore for a 4-room HDB fla

 

📊 4-Room HDB Electricity Plans — Retailers vs SP Regulated Tariff (Latest)

Provider & PlanContract DurationRate (¢/kWh incl. GST)Est. Monthly Bill (~360 kWh)Notes / Perks
Geneco – Get It Fixed 2424 months27.68¢~$99.65/moSolid long-term fixed rate + rebates offered
Tuas Power – PowerFix 2424 months27.68¢~$99.65/moGrocery voucher promo & bundled billing with SP possible
PacificLight – Savvy Saver 2424 months27.68¢~$99.65/moSimilar price tier + rebates
Senoko – LifePower 24m24 months27.68¢~$99.65/moComes with promo perks like appliances or bill rebates
Senoko – LifeGreen 24m24 months28.06¢~$101.02/moSlightly higher, green-focused plan
Geneco – Get It Fixed 1212 months28.67¢~$103.21/moShorter contract option
SP Group – Regulated TariffNo lock-in~30.65–30.1¢~$110–112/moDefault supply without switching

What This Means in Simple Terms

  • Retailer fixed price plans around 27.68–28.67¢/kWh are currently the most competitive for a 4-room HDB, potentially saving you ~$10–$12/month compared with SP’s regulated tariff at today’s rates.

  • Many retailers offer promotions (e-vouchers, bill rebates, small gifts), which can sweeten the deal beyond just a lower rate.

  • Shorter contracts (like 12 months) cost a bit more per kWh but give you flexibility if prices change.


🔎 Notes on How These Plans Work

📉 Fixed Price Plans

These are currently the most popular and easiest to compare:

  • You pay a fixed electricity rate per kWh throughout the contract.

  • No surprises even if SP’s regulated tariff fluctuates up or down.

💡 Discount Off Regulated Tariff Plans

Less common right now. Instead of a fixed number, you get a set discount off SP’s regulated tariff every quarter. If SP’s tariff drops, your bill drops too — but if it rises, your rate increases (just less than it would otherwise).


💡 Other Retailer Options You Might See (Non-Standard)

Retailers sometimes offer non-standard plans — e.g., time-of-use or usage tiered pricing — that don’t fit neatly into “simple fixed.” One example:

📌 PacificLight “9 to 9” Plan

  • Peak price (~37.50¢/kWh during 9am–9pm)

  • Off-peak price (~16.08¢/kWh during 9pm–9am)

  • Daily fee (~$1.01/day)
    This type can save you money if your usage is mostly late at night, but the pricing is more complicated and you have to understand your household’s pattern well.


🧠 How Much You Could Save Annually

If you switch from SP’s regulated tariff to a 24-month fixed plan at 27.68¢/kWh:

  • Assuming ~360 kWh/month:
    SP: ~30.1–30.65¢ → ~$110–112/month
    Retailer: 27.68¢ → ~ $99.65/month

  • You save roughly $10–$12/month, or $120–$144/yearwithout changing your usage habits.


📌 Practical Tips Before You Switch

Check Estimated Monthly Bills

Most comparisons assume ~360 kWh consumption. If your household uses more or less, your savings will scale up or down.

🧾 Watch Out for Promotions vs. True Plan Value

Deals like rebates or vouchers can boost the effective savings, but ensure you read when those promos are paid and whether there are conditions.

📅 Mind Contract Length

  • Longer contracts often have lower per-kWh rates.

  • But if electricity prices drop significantly, a long-term locked price may end up higher than SP’s tariff later.

📱 Use the Official OEM Price Comparison Tool

For real-time rates tailored to your exact flat type and usage, EMA’s Open Electricity Market comparison page is the most accurate: visit compare.openelectricitymarket.sg.


📌 Summary — What I’d Consider for a 4-Room HDB

✔️ If you just want simple budgeting and lowest stable rate, a fixed price plan ~27.68¢/kWh for 24 months is hard to beat right now (Geneco, Tuas, PacificLight, Senoko all competitive).
✔️ If you like flexibility and think rates might fall, a 12-month plan could be better.
✔️ For creative scheduling and night-time use patterns, non-standard plans might save even more — but require careful monitoring.




🔌 1) Your Current Electricity Usage in Singapore Context

According to Singapore Power’s latest tariff revision for January–March 2026, the regulated household tariff is:

  • 26.71 ¢/kWh before GST

  • ~29.11 ¢/kWh including 9 % GST

This puts a typical 4-room HDB bill at roughly:

  • ~$105/month at 360 kWh × 29.11 ¢ = ~$105

That aligns well with your actual bill range around $110–$125/month.

Retailers in the Open Electricity Market often price their fixed price plans quite close to this range — meaning your current bill is representative of today’s market conditions.


2) Retailer Plans — What You Might Pay Instead of SP’s Tariff

Here’s a summary of representative fixed price plans currently competitive for a 4-room HDB:

📊 Fixed Price Plans (Standard & Simple)

Plan / RetailerTypical Rate (incl. GST)Estimated Bill (~360kWh/month)Contract Terms / Notes
Geneco – Get It Fixed (e.g., 24m)~28.87 ¢/kWh~$104Common competitive plan with promotions available locally.
Tuas Power – PowerFix (12/24m)~28.87 ¢/kWh~$104Often available with vouchers/bill rebates.
PacificLight – Savvy Saver (24m)~28.87 ¢/kWh~$104Same band as others — uniform pricing.
Senoko – LifePower (24m)~28.87 ¢/kWh~$104Often bundled with added perks.
SP Regulated Tariff~29.11 ¢/kWh~$105Default tariff if you stay with SP Group.

📌 As of the latest comparisons, multiple retailers share almost the same fixed price level (around 28.8–29 ¢/kWh incl. GST), which translates to an estimated monthly bill very close to what you’re already paying (~$104–$105/mo on ~360 kWh).

Key takeaway:
👉 If you switched to one of these retailer plans today, your bill would likely be in line with what you’re already paying — maybe a dollar or two lower per month, or about ~5–10 % savings if promotions (e-vouchers, rebates) are included.


🔍 3) Optional Non-Standard or Creative Plans

Besides simple fixed rates, some retailers offer plans that might save more if your usage pattern fits:

🕐 Time-of-Use / Peak-Off-Peak Plans

These charge lower rates during off-peak hours and higher rates during peak times.

  • Great if your family runs most electricity usage (washing machine, EV charger, heavy appliances) in off-peak periods.

  • But if your consumption remains consistent throughout the day (e.g., aircon on in afternoon/evening), the overall bill could be higher.

Example (illustrative):

  • Peak: ~36 ¢/kWh

  • Off-peak: ~20 ¢/kWh

  • Daily fee: ~$1.00
    Your bill depends heavily on hourly usage.

📈 Wholesale or Short-Term Plans

Some retailers let you opt for no-contract wholesale pricing where the price floats with demand — risky but can be cheaper or more expensive depending on market swings.

These non-standard plans usually require more design and computation before you sign up; for most households with steady usage, fixed price plans remain easiest and safest.


💡 4) Practical Savings You Can Expect

Let’s break down savings based on your current ~$117 average monthly bill:

ScenarioMonthly Bill (est.)Difference vs Your $117
Stay on SP Regulated Tariff~$105–110~$7–$12 less than $117
Switch to Retailer Fixed Plan (~28.8¢)~$104~$13 less than $117
Promo Boost (rebates / vouchers)~$90–$100*~$17–$27 savings
Depending on offers not reflected in basic kWh tariff.

Insight:

  • Your current bill range is very normal given the regulated tariffs and retailer plans.

  • The main savings come from contract promotions (e.g., rebates, referral bonuses) rather than the plain per-kWh rate itself, because everyone’s base pricing is quite tightly clustered right now.


🧠 5) Tips Before You Switch

If you do consider a retail plan, here’s how to approach it carefully so you actually save money:

✔ Identify Your Priority

  • Lower bills now: look for promos or shorter contracts (12 months).

  • Budget certainty: choose fixed price with longer contract (24 months).

  • Complex patterns & flexibility: consider peak/off-peak (only if usage is predominantly off-peak) or wholesale.

✔ Use the Official OEM Comparison Tool

Before signing anything, input your exact flat type and usage on compare.openelectricitymarket.sg to see real, live prices customised to you.

✔ Watch Out for Extra Fees

Some retailers may have:

  • Paper billing fees

  • security deposits

  • early termination charges (e.g., ~$320 for 4-room HDB if you cancel early)

✔ Consider Rebates and Promotions

Promotions like bill rebates, e-vouchers or bundled perks can make a big difference — often more than a tiny difference in the per-kWh rate itself.


📌 6) Bottom Line for You

Since your average bill is ~$117/month, staying with SP’s regulated tariff would put you around $105–110/month based on current tariffs.

Switching to an OEM retailer’s fixed price plan typically puts you around $104/month on average — the real extra savings usually come from one-off promotions or rebates, not massive differences in the base rate.

So what I’d suggest is:

Use the official OEM comparison pricing tool right now, plug in your usage and flat type, and check if any retailer promotions available today improve your effective savings. That’s where the real immediate value lies. 

Electricity Plans in Singapore Are Worth Comparing Too!

 

Malaysia vs Singapore? No — Electricity Plans in Singapore Are Worth Comparing Too!

Okay, so you’ve heard of going SIM-only with mobile plans and picking the cheapest Broadband deal. But have you ever strategically shopped for electricity? In Singapore, the Open Electricity Market (OEM) has gone mainstream — and now almost half of households are buying electricity from retailers instead of the default SP Group tariff. That’s not just interesting… that’s opportunity.

In this blog post, I dig into how the electricity retail market works, who the big players are, the types of plans available for households, how they stack up against the regulated SP tariff, and how to decide what’s best for you.


1. What’s the Deal with Electricity Retailers in Singapore?

Here’s the short version:

For most of Singapore’s history, SP Group (formerly SP Services) was the only electricity supplier for homes — regulated by the Energy Market Authority (EMA). But since 2018, Singapore opened its electricity market. Now, licensed retailers can sell electricity directly to consumers, and you can choose them instead of staying on the default SP tariff.

This means:

  • You can shop around for plans that fit your consumption patterns.

  • You may find plans with fixed rates, discounts off the tariff, time-of-use pricing, or even renewable energy options.

  • Switching is free, and your power supply will never be cut off — SP Group still operates the grid.

But every advantage has a catch: retail plan prices recently trended very close to SP’s regulated tariff — in some cases within 1¢/kWh, which narrows potential savings.


2. Who Are the Players in Singapore’s Electricity Market?

There are over a dozen licensed electricity retailers in Singapore. Here are some notable ones you’ll see on the OEM price comparison tool:

RetailerNotes
GenecoPopular with competitive fixed price plans
Tuas PowerOffers fixed and non-standard plans
PacificLight EnergyLarge portfolio of plans, some unique pricing designs
Keppel ElectricEstablished player, often bundled green options
Senoko EnergyFlexible contract lengths
Sembcorp PowerTraditional plans with standard pricing
Union PowerKnown for simple pricing & no deposit options
Best Electricity / iSwitch / Environmental SolutionsSome players have entered and exited OEM in past years — always check live listings before signing up

Note: Some earlier entrants like iSwitch exited the market as conditions changed — a reminder to check the current price comparison tool before signing.

All retailers must be licensed by the EMA, and the official OEM comparison tool is the best place to see up-to-date plans and prices.


3. Types of Electricity Plans — Explained Simply

Before comparing brands, let’s break down the kinds of plans you’ll see:

a) Standard Price Plans

These are the most straightforward and comparable across retailers:

1. Fixed Price Plan

  • You pay a constant rate per kWh for the entire contract.

  • Contract lengths are typically 6, 12, or 24 months.

  • Your rate won’t change, even if market tariffs do.

2. Discount-off-Regulated Tariff Plan

  • You pay the SP’s quarterly regulated tariff rate, but with a fixed discount off it.

  • The regulated tariff itself changes quarterly; the discount is fixed.


b) Non-Standard Plans

These plans don’t follow the strict “all-inclusive rate” format and can include things like:

  • Time-of-use pricing (higher during peak hours, lower at night).

  • Tiered pricing based on consumption volumes.

  • Plans with daily fees or non-standard billing structures.

👉 These plans may be lower price… but also require more attention to how and when you use electricity.


c) Other Special Options

  • Green/Eco Plans: Retailers sometimes offer 100% renewable electricity plans by purchasing Renewable Energy Certificates.

  • No Contract / Short Contract: Great if you’re a renter or want flexibility but usually priced slightly higher.


4. How Do Retailer Prices Compare With SP’s Regulated Tariff?

Let’s get to the money question.

SP Group’s Default Tariff

SP’s electricity tariff is set quarterly and reflects fuel and market conditions. For Q1 2026, household electricity tariff before GST was adjusted slightly lower compared to previous quarters.

With GST, this typically lands in the ~32¢/kWh region (give or take).


Retailer Plans — Typical Range (2025–2026)

Retailer prices, also including GST, have recently looked like this (figures below are approximate snapshots — actual may vary by the day and as contracts change):

RetailerPlan TypeApprox Rate (¢/kWh incl. GST)Contract
GenecoFixed Price~28.912–24 months
Tuas PowerFixed Price~28.912–24 months
PacificLightFixed / No contract~27.8–28.90–36 months
Various RetailersTiered/Peak-Off-PeakVaries widelyNon-standard
SP GroupRegulated tariff~32+No contract, quarterly price adjustments

👉 What this means in practice: The cheapest retail plans can undercut SP’s tariff by a few cents per kWh — but the gap is not as big as it used to be (a few years ago retailers could go much lower).

In other words: when tariffs are high, locking in a fixed price could stabilize your costs. But if tariffs drop later, that advantage diminishes.


5. So… Who Has the Best Plans Right Now?

Let’s break down practical choices based on what you might want:


🏆 Best for Cheapest Rates (Fixed)

PacificLight Energy often has some of the lowest fixed and long-term plans (e.g., up to 36 months at ~28.4¢/kWh).

  • Good for: homeowners who want stability and long-term budgeting.

  • Caution: electricity prices can drop or rise — long terms are a bet on stability.


👌 Balanced Fixed Options

Geneco and Tuas Power have straightforward fixed price deals around ~28.9¢/kWh.

  • Good for: most households who want a simple plan without weird tiers.

  • Contract lengths are typically flexible (12 or 24 months).


📈 Flexible / No Contract

Some plans — especially from PacificLight — offer no-contract or shorter lock-in pricing, sometimes with tiered rates or off-peak pricing.

  • Good for: renters or short-term stays.

  • Caution: daily fees or higher peak rates can offset savings.


🌱 Green or Time-of-Use Plans

Some retailers bundle renewable energy certificates or time-of-use structures:

  • Good for: eco-minded consumers or those with predictable off-peak consumption.

  • But: complex pricing needs careful analysis to ensure savings.


6. Practical Tips to Save More

Here’s how to actually benefit when choosing an electricity plan:

• Don’t Just Look at ¢/kWh

A plan may look cheap but have:

  • Daily fees.

  • High rates during peak hours.

  • Tiered billing that surprises you.

Always check the Fact Sheet provided by the retailer — EMA requires a standardised one for consumer comparison.


• Use the Official OEM Price Comparison Tool

This tool lets you:

  • Enter your housing type.

  • See standard price plans from all retailers side-by-side.

  • Compare fixed vs discount plans.

It’s the most accurate snapshot you’ll get on any given day.


• Watch Out for Auto-Renewals

Many contracts automatically renew at the prevailing tariff — which could be higher.

From mid-2026, retailers must notify you twice before auto-renewal and offer a 60-day window with no early termination fees after renewal.


• Seasonal Use Matters

If most of your electricity use is overnight, a time-of-use plan can save you more.

But if usage is steady all day, a simple fixed rate is easier to budget around.


7. Should You Switch at All?

In Singapore’s current market:

  • The cheapest retail rates are only marginally better than SP’s tariff — often within ~1¢/kWh.

  • Savings may range from a few dollars to $10–15 per month, depending on usage and plan.

  • The biggest benefits come from long-term plans when electricity prices are trending up or from time-of-use plans if you can shift load to cheaper periods.

Switching is still worth considering — especially if you value stability and predictability in bills — but it’s not a guaranteed “big savings” anymore.


8. Conclusion — My Take as a consumer

Electricity is not the sexiest bill to think about… until you realise you might have better choices than simply sticking with SP Group and hoping tariffs fall.

Here’s my honest take:

Understand your usage first. Look at your past bills and patterns.
Compare plans properly. Don’t fall for lowest headline rate without checking charges and contract terms.
Lock in a plan if you want predictability. Fixed price plans are great if you want budgeting peace of mind.
Don’t pick a plan just because it’s “green” unless you know the added cost and value it brings to you.
🔁 Watch out for auto-renewals. You don’t want a surprise higher rate.

Electricity retailing in Singapore is mature enough that choice now matters — but the market isn’t giving away huge discounts like before. That means your personal usage, lifestyle, and priorities will ultimately determine which plan makes sense.

Smart shoppers don’t chase the cheapest rate — they chase the right rate.

To share also that i have taken up the Keppel Electric 15% discount of the SP Tariff. My re-contract starts from Mar 2025. Checking through the EMA comparison and current rates. I believe there will be further reduction from SP as inflation has more or less stabilized. Potentially my bill could drop from the current $110 - $125 to less than $99.9 which will result in almost up to $3000 savings in my annual savings. Over 2 years contract may reach $600. 

My 2026 Goal: Running 10km Under 50 Minutes at POSB Run for Kids

 

My 2026 Goal: Running 10km Under 50 Minutes at POSB Run for Kids

Setting a clear goal changes how I train, how I think, and how I show up every day. For 2026, I have set a very specific and meaningful running target for myself: to complete a 10km run under 50 minutes at the POSB Run for Kids in November 2026.

This goal is not just about speed. It is about discipline, consistency, health, and proving to myself that steady effort over time truly compounds. I am not an elite runner, and I do not train like one. I have work commitments, family responsibilities, and days when energy is low. That is why my plan is realistic, sustainable, and designed to fit into daily life.

In this post on jameslewwenwan.blogspot.com, I am sharing my 10-month training plan for 2026, leading up to November. The plan respects two key constraints:

  • Weekday runs do not exceed 40 minutes

  • Weekend runs can extend up to 120 minutes

If you are a working adult with similar constraints, this plan may help you too.


Why Sub-50 Minutes for 10km?

Running 10km under 50 minutes means maintaining an average pace of 5:00 per kilometre. For many recreational runners, this is a challenging but achievable milestone.

I chose this goal because:

  • It is measurable and time-bound

  • It requires structured training, not guesswork

  • It pushes me out of my comfort zone without being unrealistic

  • It aligns with my long-term commitment to health and discipline

The POSB Run for Kids adds extra meaning. Training for a run that supports children gives purpose beyond personal achievement.


Training Philosophy for 2026

Before diving into the plan, it is important to state how I approach training.

My Core Principles

  1. Consistency beats intensity

  2. Most runs are easy runs

  3. Speed is trained gradually

  4. Recovery is part of training

I am not trying to run fast every day. I am training my body to handle volume, then speed, then race conditions — in that order.


Overview of the 10-Month Training Plan

The training year is broken into four phases:

  1. Base Building (Months 1–3)

  2. Endurance & Strength (Months 4–6)

  3. Speed & Race Pace (Months 7–9)

  4. Taper & Race Readiness (Month 10)

Each phase builds on the previous one.


Phase 1: Base Building (Months 1–3)

Objective: Build aerobic endurance and running consistency

At this stage, I am not chasing speed. I am teaching my body to run regularly without injury.

Weekly Structure

Weekdays (3–4 days):

  • Easy runs: 25–40 minutes

  • Comfortable pace (conversational)

Weekend:

  • Long run: 60–90 minutes

  • Very easy pace

Key Focus

  • Build weekly mileage gradually

  • Improve running form

  • Strengthen joints, tendons, and muscles

During these months, my pace does not matter. Time on feet matters.


Phase 2: Endurance & Strength (Months 4–6)

Objective: Increase stamina and introduce controlled effort

With a solid base, I begin to add structure.

Weekly Structure

Weekdays:

  • Easy run (30–40 mins)

  • Tempo intervals once a week (e.g. 2 × 10 mins comfortably hard)

Weekend:

  • Long run: 90–120 minutes

  • Last 10–20 minutes slightly faster

Key Focus

  • Improve lactate threshold

  • Learn to hold discomfort

  • Build mental resilience

By the end of this phase, running for long durations feels normal.


Phase 3: Speed & Race Pace (Months 7–9)

Objective: Train specifically for sub-50 pace

This is where I start teaching my body what 5:00/km pace feels like.

Weekly Structure

Weekdays:

  • Interval session (e.g. 5 × 1km at 4:50–5:00 pace)

  • Easy run (30–40 mins)

  • Tempo run (20–30 mins near race pace)

All weekday sessions stay within 40 minutes.

Weekend:

  • Long run: 90–120 minutes

  • Include race-pace segments

Key Focus

  • Efficiency at race pace

  • Speed endurance

  • Confidence building

This phase is challenging, but also the most rewarding.


Phase 4: Taper & Race Readiness (Month 10)

Objective: Arrive at race day fresh and confident

Training volume decreases, but quality remains.

Weekly Structure

Weekdays:

  • Short, sharp runs (20–30 mins)

  • Light intervals or strides

Weekend:

  • Reduced long runs (60–75 mins)

Key Focus

  • Recovery

  • Mental preparation

  • Trusting the training

The goal is to stand on the start line feeling ready — not tired.


Dealing with Real Life: Fatigue and Weather

There will be days when:

  • It rains

  • I am exhausted from work

  • Motivation is low

On those days, I remind myself: showing up matters more than perfection.

If needed, I slow down. If needed, I shorten the run. But I do not quit the habit.

Consistency over 10 months is what gets me under 50 minutes — not heroic single sessions.


Race Day Mindset for POSB Run for Kids

On race day in November 2026, my focus will be simple:

  • Start controlled

  • Hold race pace

  • Trust my training

  • Finish strong

Whether I finish at 49:30 or 50:30, I will know that I committed fully to the process.


Final Reflection

Running 10km under 50 minutes is not about being the fastest. It is about becoming disciplined, patient, and consistent.

This 2026 goal represents how I want to live my life — setting clear targets, respecting my limits, and improving steadily.

The finish line at the POSB Run for Kids is just one moment. The real achievement is the person I become over the 10 months of training.

That is why I run. And that is why this goal matters.

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