Always too busy to do the things that really matters? 24-hours isn’t enough? Fret not! Time-hacks are what I refer to as little tips or tricks that can potentially give tremendous time savings. Through these little tidbits, you’ll find yourself with that extra couple of minutes!

Credit Cards Use

Credit card penetration rate is incredibly high in Singapore, and I have always been the one benefiting from credit cards (perks, rebates, freebies, etc) and not the other way round (credit cards earn from me). Once in a while, we would be overwhelmed by our busy lives and forget to pay our bills! The horror! Just this week, I came across a blog post (sorry, for the life of me I can’t recall whom it belongs to) which mentioned the difficulties of getting credit card annual fees or late payment fees waived, provided you can even get through to the bank’s ......