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Claim, Plan & Spend in July: Your Guide to Budget 2025 Supports

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The Singapore government has rolled out a comprehensive set of financial supports under Budget 2025 to help households manage rising living costs.

In July 2025, from SG60 Vouchers to U-Save rebates and Child LifeSG credits, these measures aim to provide timely relief while encouraging strategic spending.

Here’s your step-by-step guide to claiming, planning, and maximising these benefits.

Claim Early, Spend Strategically

  • SG60 Vouchers: Eligible Singaporeans will receive $600–$800 vouchers valid until 31 December 2026. Avoid rushing to spend. Therefore, plan your purchases around promotions or seasonal needs for maximum savings 
  • Secure Your Voucher Links: After claiming via the given link, you’ll receive an SMS with a unique voucher link. Never share personal or banking details during the claiming process.

Prioritise Essential Purchases

  • Instead than using SG60 or CDC vouchers for discretionary purchases, utilise them for groceries, home necessities, and medical care. Combine them with in-store sales or purchase non-perishable items in bulk, such as rice, cooking oil, and toiletries, to maximize their value.
  • Reserve heartland merchant portions for fresh food and daily meals, ensuring practical use of the vouchers.

Maximise U-Save & S&CC Rebates

  • U-Save Rebates: Eligible HDB households can receive up to $760 in U-Save rebates, credited quarterly in April, July, October, and January. Use these to offset utility bills, freeing up cash for other priorities.

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  • S&CC Rebates: Depending on income and property type, households will receive between 0.5–3.5 months of Service and Conservancy Charges (S&CC) rebates automatically. No action is required as these credits are designed to ease recurring expenses.

Coordinate Child LifeSG Credits

  • Child LifeSG credits should be matched with school-term requirements for families with children. To maximise their impact, use these credits at the beginning of each term for enrichment activities, textbooks, uniforms, and stationery.

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  • For developmental needs, consider saving some credits for extracurricular activities or educational materials later in the year.

Combine with Other Support Schemes

  • Lower-income or self-employed individuals can stack SG60/CDC vouchers with other schemes like GST Voucher U-Save, Assurance Package U-Save, and MediSave top-ups for enhanced cost-of-living relief.
  • Redirect cash savings from these combined benefits toward building emergency funds, reducing high-interest debts, or making voluntary CPF contributions.

Know the Disbursement Schedule

Understanding when funds will be disbursed helps you plan effectively:

Month What You’ll Receive
Apr–Jul '25 U-Save & S&CC rebates
May '25 CDC Vouchers ($500)
Jul '25 SG60 Vouchers, MediSave top-up ($500), Child LifeSG credits, U-Save & S&CC
Jan '26 Further CDC, U-Save & S&CC rebates

This schedule ensures you can allocate resources efficiently throughout the year.

Cover Essential Needs First

  • Set aside some of your SG60 coupons and the MediSave $500 top-up for medical costs, including prescription drugs, dental or medical visits, and preventative care.
  • Prioritising health-related expenses ensures long-term well-being without straining your budget.

Use Vouchers to Offset, Not Replace Cash

  • Consider vouchers as instruments to deduct regular costs, enabling you to reroute funds toward enhancing your financial stability. Think about putting the extra money toward debt relief, emergency savings, or skill development through programmes like NTUC LearningHub.

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Support Local While Spending

  • Major supermarkets, heartland hawkers, and neighborhood retailers take SG60 and CDC vouchers. Spending sensibly not only makes household budgeting easier, but it also helps the local economy thrive.

Stay Vigilant Against Scams

  • Always use official government portals like https://go.gov.sg/#/ and verify SMS senders to avoid phishing attempts. Never click on suspicious links or share personal information when claiming your benefits.

Summary: Smart Moves for Maximising Budget 2025 Supports

  • Track disbursement schedules to align spending with cash flow.
  • Match voucher usage with essential expenses for groceries, utilities, and healthcare.
  • Let rebates offset recurring costs like utilities and S&CC.
  • Redeploy freed-up cash toward savings, investments, or debt reduction.
  • Guard against fraud by staying vigilant and using official channels.

By following these steps, you can make the most of the government’s Budget 2025 supports —balancing immediate relief with long-term financial resilience.

References

  1. Instagram Post: #SGBudget2025 Support Measures
  2. How to Claim and Spend SG60 Vouchers
  3. Singapore SG60 $800 Voucher 2025
  4. Support for Singaporeans - Together, for Better
  5. Maximizing CDC Vouchers and SG60 Benefits
  6. Budget 2025 Highlights - Ministry of Finance
  7. SG60 Vouchers: What They Are, How to Claim, Where to Use Them
  8. MOF

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