Author: SimplyJesMe

9 financial tips you must know during the 9 months pregnancy

Congratulations on the expansion of your family! After the initial excitement, most of you will start to have a panic attack because the responsibilities on your shoulder have just gotten heavier. Taking care of another family member is going to put a dent on your finances but don’t get so stressed that you start taking on a part-time job or borrow money. You have 9 months to prepare and manage your financial health before you welcome this bundle of joy! Here are 9 tips on how I managed my finances, which I think could help all new parents embark...

Read More

You need to be rich to date my daughter

A single mother brought her 3 daughters up single handedly. Now all she wishes is for her children to live happily and healthily. No, that is not the only wish. She wants them to all live in abundance and preferably in wealth. The wealth criteria she based it on 3 things: 1) Earning more than $5k 2) Able to afford a condo 3) Drives a car This wealth criteria is easily fulfilled by her 2 son-in-laws. One is a doctor, another is an accountant. So naturally, she would also want the same conditions imposed to the third potential son-in-law....

Read More

How to Stretch Your Dollar on Groceries with Your Credit Card

Being a parent of a 1-year-old baby is tough financially and it has made me more eager to stretch every dollar. Here I am going to compare some credit cards to see which will give me the most rewards or rebates. As a family, my main expenses are usually spent on these things: 1) Groceries – Household items, wet wipes, snacks, fresh ingredients to cook at home. 2) Online shopping for groceries – Bulk quantity is cheaper especially for milk powder and diapers, and I can easily get free shipping too! Dining rewards are not especially important because we rarely...

Read More

The ultimate price comparison of Integrated Shield Plans (IP / Riders)

Health is wealth. Without health, you cannot enjoy anything, even with all the money in the world. However, we occasionally take health for granted. As I aged, I start to see more illnesses happening around me which are constant reminders that I should put in more efforts to maintain good health. However, I can only do so much to prevent illnesses from happening. So, it’s due time I do a post on hospitalisation plans aka Integrated Shield Plans or Riders. I kept delaying this even though I get many queries on this. Reason being, it is complicated and a...

Read More

The ultimate price review on diapers in Singapore

After the price comparison for milk powder, I have to look at the other big expense for a baby, which is the diapers. Most parents would have close encounters with poop or urine within the first year. If you have not been through an explosive diarrhea episode, you are lucky! For families who use cloth nappy and wash them, I salute you! You totally deserve the savings because I would rather spend the money than wash all the poop from the nappy every day. Diapers are truly the sanity life savers to working mothers! Picture by ParentingPatch Manufacturers like...

Read More

Comparison of Kids’ Savings Accounts

Most of us have a POSB bank account when we were young as it was the only bank for children those days. Nowadays, seems like all the banks have kids’ savings accounts and they come up with many different ways to attract the kids’ angbao money. After the comparison on the bank accounts for adults, I intend to compare the banks accounts for kids too. I think having a kid’s account is a good way for your child to understand the concept of money and savings and even compound interest. However, I don’t encourage parents to allow them the...

Read More

5 Money Saving Tips For DIY Travellers

Travelling indeed is included in everyone’s life goals. Well, who would resist experiencing the charm of new places – of actually stepping on those same fascinating destinations you only see on photos and of interacting with the locals? Whether it’s that great dimsum matched perfectly with the spring season in Hong Kong or the artistic side of Barcelona that unleashes its best as September hits the calendar – we all can relate to that kind of yearning. Yet, despite that common desire for travelling that most people share, some of us hold back simply due to the expenses. Whether...

Read More

The ultimate price review to baby formula milk in Singapore

As I am promoted to a mummy now, I will be sharing more about the finances of a family. One big hole in the pocket is because of formula milk, no wonder we always say parents have to 赚奶粉钱 (earn money for milk)! The recent report by Straits Times is not helping. It states that the price of formula milk has gone up by 120% in 10 years, faster than any other raw materials. This post aims to compare the formula milk of all stages with the intention to find out if there is a big price difference that will motivate...

Read More

Aviva Term insurance – So cheap!

I was actually thinking to change to Aviva for very long due to their really cheap prices. I know I am not a guy or NS men, but lucky for everyone, it’s also applicable to spouse and children up to 25 years old. It is really affordable. For more details, read this pdf I confirm there is nothing cheaper in the market. Plus, you can buy at any age below 65, it will not get more expensive whether you buy at 25 years old or 60 years old. Male of female, it’s the same. I am truly impressed. It’s...

Read More

My interview with Myself and Investopenly

If you are keen to find out more about my financial background and details, click here to read the interview at Investopenly. I am grateful to Richard for publishing my invite even though I am not a financial but a lifestyle blogger. Anyway, for the more personal stuff, here is an interview I imagined for myself: Oh, this is me, not my baby :) 1) Who are you? I am Jes, not Jess or Jesme. SimplyJesMe is a word play on Simply Just Me. I am 31 years old this year and have 1 child. This blog is just a space...

Read More

Post natal massage – Is it necessary?

It’s common nowadays to hire a massage lady to soothe your physical pain after labour. For natural birth, the massage starts 2 or 3 days after and for caesarian, 1 to 2 weeks after labour. The massage lady is usually a Malay, doing freelance work and travels to your house. For those tied to the massage agency, you will need to pay for their taxi fares too. Cost is typically $50 to $75 per session and you can choose 5, 7, 10 or even more sessions. You would need to be naked with only your disposable underwear and provide a...

Read More

Are you taking opium?

In olden days, coolies or workers were addicted to opium. They have to keep working to earn more money to buy opium and the vicious cycle continues. They can never stop working because they are addicted to the ‘high’ from opium and this makes the employers happy because they can continue to exploit the workers and give low pay. Unless the workers can quit opium and upgrade their skills instead, they will forever be in the rat race. Nowadays, the opium of the people takes on many forms. It could be branded goods, luxurious watches, posh cars, opulent condominiums....

Read More

OCBC 360 vs UOB One, Stan Chart Bonus saver, POSB Cashback, BOC Smart Saver

The longest title of a blog post I have ever had. As per Kevin’s request to do an updated comparison table due to the many changes in the interest rates recently, the most recent one is OCBC 360 and last year it was BOC Smartsaver. The highlighted boxes give you the top interest rates in each categories For most of you, the recent changes in OCBC 360 have made you angry and indignant probably because it’s the second time in 2 years. I think I can safely say that no other banks have changed so frequently. However, don’t be angry with your money....

Read More

My business venture

I mentioned about trying to take on a part time business venture and here I am, announcing and asking for your support below for SnackFirst: Why snacks? I am not kidding you when I say I have tried far too many nuts to get a good source. Duringmy pregnancy, I bought my nuts and seeds from supermarkets. Every time I look at the nutrition label, I was disappointed. They taste so full of salt and sugar that I can no longer taste the sweetness of the nuts. It’s a different story if I am eating honey coated or caramel laced nuts but...

Read More

Another downward revision of interest – Goodbye OCBC 360!

I am not at all surprised of the changes to the interest rate for OCBC 360 now. From3.05% during their first introduction to 2.25%  (2 years back), this latest change that is going to happen on 1 April 2017 will result in only 1.85% for me. I will explain why it is probably time for me to say goodbye to OCBC. Let’s start with the changes: Bonus 1) The amount of money that can earn interest has increased Old Up to $60,000 New Up to $70,000 Bonus 2) Credit at least $2000 salary to the account Unchanged 1.2% interest Bonus 3) Pay any 3...

Read More

Like us on Facebook

Follow us on Twitter