Saving & Spending
Credit card spending allocation for (usually) small-spenders
By Rainbow Coin  •  November 15, 2015
That's me, I am the real budget barbie lol (erm ok, I do spend on big items occasionally... *sheepish smile*). This year my trusty UOB One card has increased its tier for quarterly rebate from $300 a month to $500. It is quite difficult to hit since I do not drive and I have just quit my gym membership. So now my credit card spending just revolves around groceries (fyi I don't cook), dining, lifestyle shopping and holidays (max twice a year). I was disappointed to find out that I failed to hit the quarterly rebate before they up-ed the tier as my July spending did not hit $300 (I was still naively spending on big items the following month with the card). This is because UOB's definition of July spending is really 'June spending' as they take the month reflected on the statement date rather than the month which ......
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By Rainbow Coin
I began exploring the financial world in year 2010, hoping to get out of the rat race and be financially independent. 2010 was the aftermath period of the Lehman crisis when a pretty shaken up market was struggling to recover. On hindsight, that was the perfect time to catch multi-bagger stocks should I be a veteran or at least had some basic knowledge of picking up 'gems'. My learning curve was steep then, as I have absolutely no friends or relative who could shed some light on what's investing about.
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