Author: Seedly

What Youths Need To Know About Budget 2018 And More

A lot went down during Monday’s Budget Speech by Finance Minister Heng Swee Keat. Beyond the concerns about our 9% GST, many of the things mentioned directly affect the lives of youths. Guilty as charged, I admit that the 2-hour Budget Speech, though important, slides past my interest and I believe that this is the same for many other Singaporean youths. So to make things easy, we broke things down and summarised the 5 most important things Singaporean Youths need to know about the Budget 2018: P.S. Haven’t watched the speech? No problem, we’ve digested the two hours’ worth and...

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Young Working Adults: 12 Instagram Accounts That Help You Get Better At Personal Finance

Visual data is processed 60,000 times faster by the brain than the same data in form of text. With 65% of the world’s population being visual learners, Instagram becomes one of the mostly browsed social media platforms. If you are looking to take an occasional break from all the pictures of unfairly good-looking people, heavily edited photos of food and unaffordable luxury, here are some Instagram accounts that can help you get better with your finances. 12 Active Instagram accounts that help you get better at your money CPF Board Central Provident Fund (CPF) Board is definitely doing something amazing...

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Absolutely Essential Books for Beginners to Learn Investing in Stocks

Investing is fun, but only when you make money, or even beat the market if you’re that competitive. However, there are countless bumps on the journey to get there. It takes half a century for Warren Buffett to be known as the Oracle of Ohama (where he lives) and decades of experience for Peter Lynch to be a legendary mutual fund manager who averaged 29.2% returns annually (wow!). Reading up blogs, news and taking online courses can only get one so far. To be able to achieve results, any beginner needs to understand the thought process of previously successful...

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7 Productive Things You Can Do During Your Commute

We spend a lot of time commuting. Editor’s note: Even more when our trains break down. In Singapore, 60% of our working population depends on public transport, and the median commute time is 30 to 45 minutes. That’s a whopping 7.5 hours that we spend on the move each week and 390 hours (16 days) per year*. Instead of aimlessly scrolling through social media, here are some suggestions on productive things that you can do during your commute: * If we count a return journey, and base it on a 5-day work week. Complete personal administrative tasks With smartphones that...

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What Do We Want The Seedly Community To Become?

This community group started as an experiment around 7 months back. Today, it’s grown into something really exciting and meaningful. Let’s keep it that way. Making Smarter Financial Decisions A community is only as strong as it’s members and their beliefs. Very quickly, we realize that we are on to an often taboo topic of “personal finances for the masses”, and simplifying it quickly through group discussions and engagement. Let us remind ourselves: “We are all here for Meaningful Discussions” In Singapore, I don’t believe there are actual groups like this which you can get really solid discussions with experts...

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Is Our Nasi Lemak Subjected to GST? An insight on how GST Increment Affects Cost Of Living For Poorer Singaporeans.

” We are seriously considering a career switch to be a fortune teller.” In December, we predicted that Goods and Services Tax (GST) is likely to increase. That news became official when it was announced at The Budget 2018. Singaporeans this have a longer 3 years to prepare for the hike, away from the usual 1.5 years. Above: “What we interpreted from Heng Swee Keat’s speech.”   Well, most rationale Singaporeans would have expected it, there were actually a few telltale signs: Prime Minister Lee Hsien Loong mentioned the need to raise taxes to fund government spendings GST has yet...

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Singapore Budget: Every Dollar Spent Wisely. Really will happen?!

” Government Service Tax (GST) confirm increase again!” They say that it helps with the heartache: by anticipating a bad news and “sort of” convince yourself that it is going to happen even before it does, can cushion the impact when the shit hits the fan. Now, to cushion that impact, we made a bit of an “anticipation” of “bad news” with proper analytics and the help of the Seedly Personal Finance Community. LIVE: The Budget 2018 Seedly will be providing our insights on The Budget 2018 as it happens. Stay tuned to this article and our LIVE UPDATE...

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Ultimate Guide: Maximise Your Ang Bao Money This CNY

TL;DR: Maximise your Ang Bao money this CNY Changing your lifestyle can help you save S$16,244.50 per year. Growing your Ang Bao money to beat inflation can help you Huat even more. Simple investments and changing of your bank account can make you at least $1,400 richer! New Year New Huat As we usher in the new year, let’s start things on the right foot by reviewing our lifestyle choices. The real huat starts not from buying 4D but by making smarter day-to-day decisions! Here are 8 (huat!) areas you can begin from, and how much money you can save...

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Chinese New Year (CNY) Tools: How To Play Ban Luck, In-Between, Poker

Seedly CNY Tools: Chinese New Year Games Guide It’s that time of the year again, Seedly smells money in the air. In order to save you all the searching, we have put together the instructions on how to play 3 popular card games during Chinese New Year: Blackjack, Poker and In-Between Here’s the simplified guide! 1. How To Play Black Jack (Ban Luck) “Ban Luck”, otherwise Chinese blackjack is the most commonly played card game at any house during visiting.  This is probably because it is a relatively simple game of drawing cards in order to reach the closest...

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Cheat Sheet: Your Guide To Winning Ban Luck (Blackjack) This Chinese New Year (CNY)

Our Chinese New year (CNY) celebration is not complete without testing our luck over a game of “Ban Luck”. Also known as Blackjack, it is usually used as a barometer for someone’s luck for the year. While Seedly believes in helping Singaporeans make better personal finance decisions, once a year during CNY, we go down the “dark” path of gambling too (Come on! We are true-blue Singaporeans too). Having lost quite a bit of my fortune over the past years to “Ban Luck”, I am determined to at least win some back this year with the help of Mathematics and...

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Getting Your First Property In Singapore : We Answer 10 Commonly Asked Questions

Getting Your First Property In Singapore Getting your first property in Singapore can be quite an experience and stressful. With getting that property being one of the biggest ticket purchases for many, the learning journey will be especially steep and stressful without external help. Recognising that, we hope to help Singaporeans make better personal finance decisions with our latest Facebook Live on strategies, tips and tricks to getting your first property. If you have yet to catch our Facebook Live, you can catch it here. We kicked off the discussion with 2 very interesting slides regarding Singapore’s property market....

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Singles Guide: Spending Valentine’s Day 2018 in Singapore (SG)

How To Spend Valentine’s Day Single Valentine’s day is an unusual event that splits everyone into two, end-spectrum groups: The attached and the single. The occasion clearly favours the former, so let us give all the single people out there some love. Whether you are still trying to cope with your previous heartbreak, basking in single-hood or just lazy to celebrate anything, one thing is for sure: Your wallet is stress-free from Valentines’ day gifts and flowers. We present to you, the singles’ guide to spending Valentines day from $0 to $50! Budget $0: What You Can Do For...

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Cheat Sheet: Best Credit Cards For Students 2018

The second part of the student plan! As a student having a proper savings account is extremely important as it is a great way to kick-start the habit of saving. Not only that but as we get older (student or not), our expenses tend to increase. Therefore, it is important to try and reap some benefits from your increase in expenses whenever possible! So here are some credit cards perfect for students! P.S Only consider getting a credit card if you’re good at managing your money, you don’t want to be getting into debt before you start working. Citibank...

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10 Things I Wished I Knew Before Becoming An Adult

Most of us reading this have crossed countless of birthdays and milestones, met with quarter-life crises and more. Life has never been more about finances, social interaction, and responsibilities. If you could look back and give your younger self some adulthood-hacks, what are some tips you would die to give? From lifestyle-changing to life-changing, here are a few things I wished I knew before adulthood: 1. Save Some Money The best time to start saving is yesterday. The sad thing is, we only start realizing this when life hits us in the face in our 20s. Step 1: Keep...

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Which International Money Transfer Platform Is The Cheapest?

Transferring money overseas can sometimes be a real headache. This is especially so for expats in Singapore where this form of service impacts them the most. In fact, one can incur a loss everytime they adopt a service to transfer money overseas due to a few reason: Every platform charges a possible service or transfer fees Platforms usually give consumers a less favourable exchange rate to increase their profit margin For consumers making a huge amount of transaction, the need to optimise cost and fees becomes even more important. TL;DR: Players in the market: Worldremit, Instarem, TransferWise, SingX, DBS...

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