Author: Singapore's Budget Babe

Get $288 Cash from SingSaver this CNY

SingSaver is giving out $288 cash tomorrow for the first 58 credit card applicants this Chinese New Year. Both new and existing cardholders are eligible. You can click here to start camping. The promotion runs 15 January 2020 at 9am sharp, and ends at 11.59pm before midnight. On top of that, if you’ve been eyeing a Citibank or Standard Chartered credit card, check out the additional offers this CNY: Citi Cash Back – $250 cashCiti Premier Miles Visa – $250 cashStandard Chartered Unlimited Cashback – $170Standard Chartered Unlimited Cashback – $170That’s a pretty substantial amount for these cards, so don’t...

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6 Ways to Ace Your Financial Resolutions in 2020

Aiming to save more money in 2020? Here are some tips on how you can start. The trick to really reaching your financial goals this year is to start with actionable steps, and I’ll share with you several tips to start on right away if you want to succeed this year. 1. Reduce your expenses by getting a multi-currency card.Stop paying for your overseas expenses (yes, that includes Netflix) at unfavourable credit card rates when life has gotten so much better with the introduction of multi-currency fintech providers in our local scene. Cue YouTrip and Revolut, which are my top...

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Seedly Personal Finance Festival 2020

Make 2020 the year you’re going to succeed in your personal finance, by building the foundation for your financial freedom in the years to come. I’ll be teaching at the upcoming Seedly Personal Finance Festival – yes, the same event that sold out within 30 hours when ticket sales opened last year.  Event detailsDate: 7 March 2020Time: 10am – 6pmVenue: Suntec Halls 405 & 406 Some of the topics we’ll be covering this time include: How to build your retirement fundHow to become a CPF millionaire by 65Picking profitable stocksHow to build your retirement fundWhat type of insurance do...

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We spent $25,000 to raise our child in the first year

How much does it cost to raise a baby in Singapore? Nate turned one recently and in total, we calculated that we’ve spent $25,000 on key essentials for his first 12 months of life. Here’s how our breakdown looks like: I’ve excluded stuff like birthday parties and holidays, because these are non-essentials that you can choose to forgo if you wanted to. The bulk of our expenses went to paying for healthcare and essentials like food, diapering, and caregiving. We hired a full-time helper to take care of our baby, and despite the cost, that finally allowed us to go back...

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Don’t Have a Multi-Currency Card yet? Here’s Why You Need To Get One Now

As long as you shop online or travel overseas (Johor Bahru included), you really should be getting a multi-currency card to reduce your expenses by as much as 30%. Or, as long as you fit into any of the below categories:Travel overseas at least twice a year (includes trips to JB!)Online shopping (eg. Taobao, Kickstarter, Book Depository, Skype credits, Coursera)Exchange students abroad Foreign subscriptions (eg. Netflix, Spotify, Dropbox, Google)Yes, even for online shoppers, as long as you buy from any overseas websites or subscriptions, you’ll probably want to start paying lesser via a multi-currency card. You can find more details on this phenomenon here....

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Ask and you shall receive

If you’ve not joined our personal finance tribe for all matters regarding money, cashback and parenting, remember to head on over HERE to follow and learn! There’s a wealth of information and tips there including which credit card to use, hacks on how to pay for childcare fees while still earning points, what the difference is between normal miles and Krisflyer miles, personal lifestyle matters such as how to balance time between multiple commitments, and even interesting stuff I didn’t look at before such as what happens to your credit card rewards / miles when you die. I learnt...

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Why learning economics might help us to become a better investor

Would understanding world phenomena help us to make better decisions, both for our future and in our stock investments? I definitely think so. And so recently I’ve been spending more time reading into other disciplines like economics and psychology to help better myself both as a person and as an investor, as they help to explain many qualitative aspects in the business world that pure financial numbers cannot. For instance, if we think back to the time when companies like Google and Facebook got listed, it seemed logical then to not invest in a company that offered free services and...

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Having a personal finance tribe

Have you ever felt down because your friends, colleagues or peers are judging you for trying to save money? Or perhaps you previously were labelled with some really hurtful remarks like “cheapo” when you’re really just being frugal, and moreover NOT at anyone else’s expense. Seriously, we should never be made to feel bad when we want to do meal prep or eat at a hawker because we’re on a budget, but somehow you’ll still meet people who don’t seem to understand that. And the funny thing is: all these people who are so quick to judge and slam you...

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DBS digiPortfolio – one of the best and the safest robo-advisors thus far?

If you’ve no time to do your own investment research or monitor your portfolio, then this might just be the solution for you.Always wanted to tap on the same investment expertise provided to high net worth investors? Well, now you can. This means retail investors like you and me can finally tap on the knowledge and expertise given to the bank’s high net worth clients (those with more than S$500,000 in investment capital). The same discipline and methodology to constructing and managing a portfolio for these HNW clients is now being applied to the DBS digiPortfolio. Their robo-investment platform...

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Act fast to get $300 cash from SingSaver this 11 November

Get $300 if you’re the first 50 to apply for a relevant credit card with SingSaver this 11.11. If you’re intending to get any of the following credit cards soon, you might as well wait until 11 November to apply. Reason being, SingSaver’s 11.11 Mega Rewards Campaign will be live then, and the promotions offered are too good to ignore. Be among the first 50 credit card applicants, 50 travel insurance buyers and 11 personal loan applicants to qualify.  If you’re fast enough, the first 50 approved applications then for these 3 particular credit cards will get $300. This is for both new and...

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The tale of a sinking ship (or not)

A viral letter about The Queen Mary has caused shares of Eagle Hospitality Trust (EHT) to plummet. Is the sell-down justified, or could this crisis present a good opportunity to buy?This post first appeared on Patreon. Subscribe for more exclusive investment insights! When EHT’s share price crashed so much within a single day, I got all excited because hey, what if this was a fabulous opportunity to buy into a portfolio of international brand-name hotels for cheap? The financial blogosphere is rife with everyone’s opinions on the issue right now but here’s my take, and why I bought. What...

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Guide to Preschools In Singapore – Which school offers the most value-for-money?

Does paying more get your child a better education when it comes to choosing between preschools? What are the differences between childcare centres, anchor operators and partner operators? Is a SPARKS certification necessary? Use this guide to help you navigate Singapore’s preschool scene!——————————————TABLE OF CONTENTS: ·      What to look out for when you go for a school tour ·      PCF Sparkletots vs. My First Skool vs. Star Learners vs. Carpe Diem vs. Agape Little University ·      What I learnt from visiting 10 preschools ·      Review of My First Skool ·      How to qualify for subsidies if you’re self-employed ——————————————Nate will be turning 18 months...

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What to do if you’re caught in a car accident?

Worried that you might be the victim of a fraudulent car accident? Here’s what you need to do to protect yourself.Ever been in a car accident that made you realise the dark nature of some drivers – especially those who try to twist the incident to their advantage and claim thousands of dollars from you? Let’s face the truth of motor accidents in Singapore – some are staged by syndicates for a quick buck, while others simply involve opportunistic (or dishonest?) drivers who inflate claims to their benefit…all at your expense. For experienced car drivers, these tales are a norm, or perhaps...

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Searching for the best SIM-only mobile plan

I finally managed to convince my husband to switch his mobile plan, but was too lazy to redo my research among all the new plans and telcos in the market. Luckily for Seedly’s latest SIM-only comparison tool, which saved me hours of manually computing the data otherwise. For the past 2 years, my husband has been paying a ridiculous sum of $100+ each month to Starhub. Well, not anymore. When I first suggested the switch, I compared against the different options in the market for a SIM-only plan. At that time, it was easy because there were only a...

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