Author: Seedly

Travel Destinations For Friends On A Budget Under $500: Based On Real Reviews

Most of my expenditure is on sustenance. Yes, I meant food. You can contribute your thoughts like Junel here. Work stress, Study stress, Mundane mid-year, end-holiday blues, the list goes on — There’s always a reason for a getaway with your friends. Need a short break? Here are some travel destinations recommended by the Smarter Way Community so you can pack your bags and run away to with your group of best buddies on a budget. Don’t worry, they aren’t just the typical Taiwan and Bangkok. Under $500 per pax? Easy. Here’s a TLDR of where you can go:...

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A Short Story: How A Dad Saved $10,000 With His Little Girl

Most of my expenditure is on sustenance. Yes, I meant food. You can contribute your thoughts like Junel here. This is the story of how a little girl, me, earned 10% interest from loaning her dad her piggy bank to save money he would otherwise be spending on cigarettes and buying 4D and TOTO. Don’t get me wrong, he wasn’t a heavy smoker nor did he spend an exorbitant amount on the Singapore Pools. He probably even spent a little less than the average Singaporean on these things. Yet, we were able to save $1000 a year since 2008,...

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Reduce Your Expenses To Only 30% of Your Salary With This Budgeting Template

We’ve crossed the middle of the year again and if you’re as lucky as I am, you should have been informed of your salary increment for 2018. This year, I got a small increment of $195 in my monthly payroll so that’s an additional 195 one-dollar soldiers awaiting for deployment every month! I checked my Salary Allocation Budget that I update every year and it looks like there are no additional expenses incurred so far. That’s good news to me because all the 195 one-dollar soldiers will be deployed to investment wealth accumulation. What’s a Salary Allocation Budget? A...

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The Complete List Of Money Saving Tools In Singapore 2018

< BACK TO MAIN BLOG 14th July 2018 Passionate about helping people make smarter financial decisions. You can contribute your thoughts like Kenneth here. The world of online shopping is again exploding in Singapore as we head beyond GSS into the year end. We decided to ask around and learn from our SG Personal Finance Community on the best money saving tools in Singapore to get the best deals 🙂 (Updated: July 2018 with the newest products in the market which you’ll find useful for sure) We curated a complete guide you can refer to below, hope you like it! ...

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Choosing A Financial Advisor: Robo-Advisors VS Human-Advisors

< BACK TO MAIN BLOG 13th July 2018 Most of my expenditure is on sustenance. Yes, I meant food. You can contribute your thoughts like Junel here. In this day and age, we’re spoilt for choice. Fund managers are no longer limited to Human Financial Advisors, there are also automated Robo-Advisors that can do the same job at a lower fee. If you are still unsure about what exactly Robo advisors are, they basically offer low-cost diversified passive investing where algorithms help recommend you stocks and manage your portfolio. Main Differences Between Robo-Advisor And Human Advisor   Robo-Advisor Human-Advisor...

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6 Highlights & Questions At The Seedly Investing Meetup 2018

< BACK TO MAIN BLOG 12th July 2018 Passionate about helping people make smarter financial decisions. You can contribute your thoughts like Kenneth here. Over the past weekend, we ran our largest Personal Finance community Meetup for the Seedly users and readers. We saw over 140 individuals coming down to MOX for the event to learn about Investing basics and strategies. Here are some quick facts: Almost 50% of the people who came are from the millennial segment (most have just started working, aged between 20 to 35 years old) We also had a good equal representations of both...

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The Ugly Truth Of Break-Ups: Cost Of Defaulting On Your BTO

< BACK TO MAIN BLOG 11th July 2018 Most of my expenditure is on sustenance. Yes, I meant food. You can contribute your thoughts like Junel here. “Want to BTO?” Has become the indirect Singaporean version of “Will you marry me?” Applying for a BTO is the first step a couple would take towards marriage. This is typically done about three years before the actual marriage, but, anything could happen within the span of three years. This question was asked by a community member a couple days back:    Ask A Question Here!  Everyone talks about their BTO application and...

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The Hidden Cost of Holding onto Your First Savings Account

< BACK TO MAIN BLOG 10th July 2018 Turning finance into boba-sized pieces. One iced milk boba tea, please! You can contribute your thoughts like Cherie here. Most of us opened our first savings account with the bank when we were young, lugging our piggy banks to the actual bank to open an account with our parents or grandparents. Some of us are still holding onto our first savings account that we had since we were a kid, Got to admit, that’s me and it is the legendary POSBkids Account. Editor’s Note: We are not sponsored to write this,...

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10 Best Ma La Xiang Guo You Have To Try: Based On Real Reviews

< BACK TO MAIN BLOG 7th July 2018 Most of my expenditure is on sustenance. Yes, I meant food. You can contribute your thoughts like Junel here. Ma La is not just an arguably expensive bowl of spicy, stir-fried food, it has become an obsession — a way of life. The Ma La craze has been in Singapore for quite a bit, and fortunately (or unfortunately for those nights in the toilets), it’s here to stay. So, our community member asked for recommendations on Singapore’s best Ma La Xiao Guo, and Ma La fans and foodies all around have...

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Singapore Property Cooling Measures 2018 – Feeling Cold Yet?

< BACK TO MAIN BLOG 6th July 2018 Passionate about helping people make smarter financial decisions. You can contribute your thoughts like Kenneth here. Let’s face it. Singapore is a really small country. With an ever increasing demand of houses being built at every corner of Singapore, it is no wonder prices have been rising rapidly in the past 50 years. However, when Demand and Supply goes out of whack, as seen with property private home prices rising to the highest point in four years in the April to June quarter. This news suddenly drops: ​“The government has been...

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How Can You Fully Insure Your Child with Child Insurance?

Turning finance into boba-sized pieces. One iced milk boba tea, please! You can contribute your thoughts like Cherie here. When my mum had me, she only got me covered with a life insurance. Not only till I am older that she got me covered with hospitalisation insurance. What I am saying is, this is not a one-size fit all for every parent in Singapore, but it serves as a guide for young parents like yourself to see what are the available products that you feel deem fit to cover your child with. So with that, here are some of...

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Answering Singaporean’s Question: Renting A Car VS Buying A Car In Singapore

So, we already know that driving is about the most expensive thing to do in Singapore. But, having a car does have its functional benefits compared to taking the cab all day when you have a busy lifestyle or a family with kids. Getting a car costs $101,999 and more if you factor in all extra insurance and serving fees that come with it. Renting a car, on the other hand is charged at an all-in-one flat rate. In the length of 5 years, is it more worth it to rent or buy a car? In the long run, does it make...

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Working Adults: On A Wrong Degree/Job? Here Are Practical Ways To Turn Your Life Around.

Did you graduate with a “wrong” degree? ” I’m on a degree which I have NO INTEREST in and I have NO IDEA where to go from here.” Lost. A common problem amongst graduates and working adults these days. Our outdated education system might have churned out degree holders who have ZERO interest in the course they graduate in, and here’s why. Graduates are pursuing a degree blindly because that is the basic requirement for most jobs. (Mama says I need a degree) Graduates cannot enrol in the course they are interested in, because their grades prior were not...

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Popular Scams These Days That You Should Warn Your Mama (And Yourself) About!

Singapore may be one of the safer countries in the world, but that theory will be out the window when we talk about scams. In the year 2017, a total of S$99 million is lost to scams. To put that into better perspective, S$99 million equates to 33 million plates of Nasi Lemak at S$3 each. Should one eat 3 plates of Nasi Lemak every day, it can feed him 11 million days 11 million days equates to 30,136 years (about 301 generations) You get the point. This article can save you, and the rest of your 300 generations...

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What If Hawkers Started Charging For Chilli?

< BACK TO MAIN BLOG 1st July 2018 Most of my expenditure is on sustenance. Yes, I meant food. You can contribute your thoughts like Junel here. “Uncle, add one more packet of chilli”, that’s my standard request when I take away food at the chicken rice store just a few blocks down from home. Sambal chilli, Chilli Padi, green chilli – the list is endless for Singaporeans’ favourite chillis. One thing’s for sure: We can’t live without it. It’s natural that condiments go for free in Singapore. Auntie and uncle don’t tell you to pay an extra dollar for...

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