I was recently asked.
"Why do you bother to do all these. You don't save a lot, you could get so much more if you found a job"
I mean like... It's very little returns but a lot of small little things.
Let's not talk about investments. Cos that one a number of normal people do it...
But like,
1) Cashflow management using the credit cards, this nets me the additional 2.43% interest from the UOB One account. This is just under $100 per account per month. ($200 x 12 per annum, total $2400)
2) Hitting minimum spend of $500 per month on the UOB One card, this gets me $50 per quarter per card so it adds up to $50 x 4 x 2 ($800).
I even bother to travel down to PWC building at Raffles place to prepay my SP Services using this card, cos that's the only way to use UOB One card to ......