Author: Seedly

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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Cheat Sheet: Best Saving Accounts For Students 2018

” I am a student. Which saving account is the best for me?” As a student in the midst of my tertiary education and just a couple more months to go before I enter the working world. I look back and think about what I could have done better with my finances when I was still a student. Let’s check out what are the best student saving accounts that are feasible for us students! As students, our monthly income is not fixed and that makes signing up for a savings account hard. Here are some saving accounts that will...

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Working Adults: Is Becoming An E-Sports Athlete A Potentially Good Career Path?

Editor’s Note: Making a career out of Dota gaming! Most of us go through a phase where we were so addicted to gaming, and an opportunity to convert it to a full-time career will be the ultimate dream. Like many, Dota was my pick. While most salary guides only cover the wage of more commonly seen careers, it got us thinking about how much exactly are the less commonly publicised career fetching. Esports has been experiencing an explosive growth in popularity in the last few years. With its rise, a growing number of people are also aspiring to become...

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Chinese New Year (CNY) 2018 Ang Pao Guide: What Matters The Most

In Chinese tradition, the giving of Red Packet (Ang Pao) during Chinese New Year from the married to the unmarried (mainly children), is a meaningful one. The actual significance of this tradition is mainly on the red packet, and the money in it is secondary. The meaning behind giving of red packets during Chinese New Year is a way for married working adults to share their wealth and blessings with the young ones. On top of that, red colour in Chinese tradition signifies: Good luck Happiness While the money in the red packet signifies luck. How much should you be...

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Give Back To The Less Fortunate This Chinese New Year (CNY) – Completely Free

Chinese New Year is most commonly associated with the word ‘Huat’, which means gaining wealth and abundance in Mandarin. This season, amidst all the red packet business, let us take a step back from the ordinary to see what we can do for the less fortunate. It won’t cost you a penny! This article was inspired by a discussion thread over at the Seedly Personal Finance Facebook Group, where one of our members posted this question: “Would you give $2 to an elderly lady when she begs for it?” Unknowingly, this is a financial decision we make every day when we...

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Singaporean Guide: Save Money With Meal Prep

What Is Meal Prep? Source: http://smilesandwich.com/2017/04/05/chicken-meal-prep-bowls-5-ways/ Doing a Meal Prep means making your week, or days’ worth of food ahead of time. This is so that you can heat it up in batches throughout the week, saving both time and money. Adding a braised egg to my favourite plate of chicken rice will now make me $4 poorer instead of the usual $3 at the food court. It is hard not to notice the price increases since food inflation came in at 1.4 percent in Singapore last year. Meal Prep, trending amongst millennials and working adults See videos like these on...

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Singapore Property Cheat Sheet 2018: BTO vs Resale vs EC

Every Singaporean Dilemma: Should I Get A BTO, Resale or an EC This article will serve to answer you this question that all Singaporeans planning to get their first property will ask: “What are the differences, Pros & Cons of each type?” You should be able to know at the end which type is best suited for you accordingly. I have included a real-life example below (Editor’s note: I’m writing this article from a first-person buyer’s perspective, as I have been considering this with my Fianceé with much research) Factors we considered As with any other kiasu Singaporeans, we went through...

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Regular Savings Plan: The Piggy Bank For Working Adults

If you are a true-blue Singaporean like myself who enjoys my morning indulging in my Bak Chor Mee and Kopi, you should be able to agree with me on the next point. Singaporeans are ranked first in the Mastercard financial literacy index which indicates a good level of basic money management, financial planning and investment knowledge. Yet, when it comes to translating this knowledge into action, we contemplate. Most of us fail to follow through with it ultimately. The main reasons behind this are simple: We are too caught up with work. In fact, Singaporeans rank among the global...

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How Much Is An Hour Of Your Time Worth? Hacks To Save Time On Queuing This Li Chun.

Li Chun – 4th February 2018 Li Chun 2018 falls on the 4th of February this year. In Singapore, we have a culture of queueing to deposit money on Li Chun, which is perfectly in-line with Singaporeans’ favourite past time of queuing It is believed that by depositing money during a certain auspicious hour, subject to your Zodiac, one will get to enjoy good fortune for the rest of the year. The timings are split into two categories: Most Auspicious hours (most huat) as indicated by 2 ingots in the above infographics. Auspicious hours indicated by 1 ingot will...

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Is Wiping Out Your CPF To Buy Your First Home A Wise Choice?

BTO, EC or Resale Getting your first property will probably be the biggest purchase in one’s lifetime. We previously touched on the topic of understanding the financial aspect of getting a property. We also compared the difference between getting a BTO and a resale flat. In this article, we zoom in to the payment side of things on some experts’ opinion on wiping your CPF, just to get your first home. Buying one’s own home is one of the most monumental moments in anyone’s life. While Singapore’s HDB has kept housing prices relatively affordable compared to other urban areas...

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The Ultimate Lover’s Guide: Valentine’s Day Flowers Price Comparison 2018

It is about time we start looking the key events happening in the month of February. With Valentine’s Day and Chinese New Year coming up, we have decided to help one save time by compiling an Ultimate Lover’s Guide for Valentine’s Day Flower Prices! TL;DR – Cheapest Valentine’s Day Flowers Florist Bloom Room Roses Only Bloomen Enchanted Tree Cheapest Bouquet $18 $59 $120 $120 Most Expensive Bouquet $265 $499 $120 $120 Selection 26 Bouquets 12 Bouquets 3 Bouquets 3 Bouquets Promo code GIRLCRUSH15% off till 31st Jan – VDAY10P10% off till 31st Jan – Florist Fleuriste Beato Pristine Roses...

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Young Singaporean Parents: 10 Tips On Raising Your First Baby

#SeedlyQnA In Singapore, the cost of living has been going up and the game of money has become even more important to master. We believe that in this journey, sharing and discussion on topics relevant to your personal financial well-being can help you get better. This led us to set up Seedly Personal Finance Community with an intention of creating a platform for such purpose. Singaporeans can ask personal and sensitive questions every day on the platform while remaining anonymous. Simply ask a question and receive insights from helpful community members who have “been there, done that”! Young Parents...

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3 Chinese New Year (CNY) Hacks To Save Money

In a UOB poll with Singaporeans aged between 18 and 55, people intended to spend an average of $2,503 on Chinese New Year last year. A budget in the thousands is undeniably a hefty amount for most of us. Price hikes on everything, from goodies to clothing, haircuts and car rentals as early as two months before the Chinese new year is a norm and a headache. Luckily, we got your backs and your wallets with quick tips to help cushion these crazy prices. Here are 3 areas you can save on! 1. Getting cheaper Chinese New Year (CNY)...

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