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GXS Bank is offering 3.48%! Should you rush to deposit?
When GXS Bank launched late last year, there was little incentive to sign up because the deposits were limited to only $5,000. However, now that GXS has raised the deposit cap to $75,000, is it worth...
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How I Plan To Get $5k Monthly From My CPF
You’ve seen my plan for building up my retirement income (here), and you’ve sent in the questions. In this article, I dive deeper into how I intend to get paid $5,000 per month in retirement from my...
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How legit is Chocolate Finance’s 4.5% return?
At 4.5% p.a. guaranteed* return on your deposits, how legit is Chocolate Finance and how are they able to promise such a high yield when the banks can’t? Singaporeans rushed in after GXS opened its...
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The 4 Secrets of Savvy Consumers
Here’s my secret sauce to being a savvy consumer even in an era of inflation and rising cost of living. If you feel it has gotten harder to stay within your budget due to inflation and rising prices,...
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Dobin – possibly Singapore’s best personal finance app?
Automatically track and manage your expenses while get more rewards on what you’re already spending on. Just leave it to Dobin! It has been a long time since I got this excited over a new finance app,...
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Cheaper GrabFood Delivery Options To Save Money
You can now choose between 99 cents delivery when you pre-order, or get up to 40% off with Saver delivery. Food delivery fees are getting more affordable, but only if you know what to do *wink* I get...
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How to legally reduce your income tax in Singapore (2023 edition)
Yes, it is possible for many middle-income earners to legally get away with paying zero taxes…that is, if you know how to be smart about it. I was recently interviewed by Channel News Asia to share my...
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Singapore Savings Bonds are now at 3.4% p.a.
Announcement: If you haven’t seen it yet, the latest Singapore Savings Bonds yield 3.4% over 10 years, which is the highest yielding SSBs for all of 2023 till date! This is also one of the highest...
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SingSaver Now Guarantees the Best Deals on Credit Cards and Insurance
What if we no longer had to compare between comparison sites and blogs just to get the best deal? Whenever I apply for a new credit card or need to buy insurance online, I usually make the effort to...
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PSA: No more SIBOR? Your SIBOR home loans will soon be pegged to SORA instead
What you need to know about the SIBOR to SORA transition, and what you need to do if you have an existing home loan pegged to SIBOR rates. PSA: If you have a SIBOR-based mortgage or property loan, you...
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2023 Financial Review – $60,000 saved and other surprises
2023 has been a year full of ups and downs. If someone had told me in the beginning of the year that we would see the Russia-Ukraine war continue into its second year, and that October would see...
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Review: Why are most people choosing OCBC Money Lock over DBS digiVault and...
If you have money in any of the local 3 bank accounts, congratulations, you can now activate a “money lock” feature to lock up a portion of your funds so that it cannot be transferred or withdrawn....
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Budget 2024 – changes to our personal finance strategies
There’s been a lot of news coverage about what Budget benefits you can get, so I won’t go into detail here, but I wanted to focus on the changes in one’s personal finance strategies that this year’s...
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How to reach $100k by 30
I hit my $100,000 milestone before I turned 30, which felt like a feat considering I started with a take-home pay of $2,000 as a fresh university graduate. Young working adults today will probably...
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Goodbye GrabPay, hello better numberless card alternatives!
There’s no need to bemoan the loss of the GrabPay card, since it was hardly that fantastic to begin with. But for those of you who think you’ll miss the numberless card feature, you’ll be glad to know...
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Best credit cards to use for miles in 2024
If you’re trying to clock up enough miles fast, here are the best credit cards in Singapore to use right now and what I personally recommend. I redeemed our first business class tickets on Singapore...
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How to reduce your income tax in 2024 – for working parents
A few months ago, I was interviewed by Channel News Asia (CNA) for advice on how to reduce one’s income tax bill, which I penned into a blog post here as well. With tax season here, many of you have...
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Here’s how you can earn miles on your income tax payments
Disclaimer: My bias towards CardUp is real, especially given how it has been a fail-proof solution for me for the last 6+ years. But here’s how the other options currently stack up anyway, and how you...
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Miles vs Cashback cards: which is better for you?
It is no secret that I was on Team Cashback throughout my 20s. Back then, as a single female who was spending less than $800 each month, cashback cards made the most sense for me because even if I...
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Best credit cards for overseas spending – 2024 edition
I have friends who use their credit cards abroad for their travel spending, with zero clue about the extra fees and charges they’re being made to pay. Instead, they’re happy about the “upsized” miles...
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