You shouldn't have to take out a loan to party, even if it's the end of the month and tax season draws near. When times are tight, here are the four club and bar nights to look out for to keep you in the black.

The Exchange

This CBD watering hole isn't only known for their ladies' nights. Head there on Fridays to get a bottle of GH Mumm Champagne for only $68, cheaper than any other joint we know. Plus, if you like their Facebook page, you get 1-for-1 Stoli vodka shots, too.

Lounge@Jen

Orchard Road's newest hotel comes with a swanky bar and lounge that's perched on the 10th floor. With sweeping views of the shopping stretch, ladies get free flow bubbly and wine every Friday from 6-9pm for only $25.

Koi Bangers + Izakaya

The Haji Lane bar and bistro not only pushes out plates of modern and easy Japanese food, but they constantly host block parties and DJ nights with tons of drink promos that include beers and housepours. Tonight sees a Drop Shots drum and bass party where houserpour beer and liquor go for $15, while Guinness is up for grabs for $10.

Kyo

The underground club's Tune Wednesdays is about those bootyshake-worthy songs by the likes of Madonna, Daft Punk, Michael Jackson, Prince and even a little bit of Disclosure. Plus, if ladies head down in a group of six, they'll get a free bottle of bubbly. Head down to the launch party (Apr 1) with DJs Big Mike and Andrew Chow on the decks.