A few months ago, I made the decision to change the telco from M1 to Circle Life. Such decision reduced the monthly subscription from $18.20 to $5. However, I needed to make the one-time payment of $18 for the port-over. I am happy with such decision.
I also cancelled the Singtel Fibre internet sometimes in October 2019. This reduced the monthly subscription from $32.04 to $11.95. I still keep the Singtel Digital Line at the monthly cost of $14.10.
The above-mentioned decision results in a monthly saving of $30.98.
This goes to show that one should make the decision decisively when the obvious (in term of saving) is known.