Author: Singapore's Budget Babe

The value of a mile vs. the value of your time #TeamCashback

I’ll give you another important reason why I’m on #TeamCashback and prefer them over miles credit cards: It is a lot less time and effort. If you’re super free and value miles enough to spend hours and hours analysing them and chalking up miles, then great! Perhaps travel hacking will be something you’ll enjoy. But not for me. Frankly, the sheer amount of time and effort it takes to accumulate miles, then search for suitable tickets to redeem them with, be waitlisted, change your travel plans (dates) again and again because your desired dates aren’t available, just to accommodate...

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Pregnancy & Parenting Posts

During Pregnancy What To Do In Your First Trimester Congratulations! You’ve just discovered you’re pregnant, and you’re completely lost on what to do. Most gynaes won’t see you until you’re at least 6 – 8 weeks along, so in the meantime, here’s a helpful guide to get you started and know what to expect. At this stage, you will also want to figure out whether to go the public or private route for your pregnancy and childbirth. Read this and understand the pros and cons of both to help you decide! Exercising during Pregnancy Is it safe to exercise...

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How to send and receive money from abroad for cheap – (even) Lower fees with InstaReM

What should you use when sending or receiving money from abroad? It should be common knowledge by now that whenever you’re transferring money abroad, remitting through your bank is seldom the best solution, given the higher fees charged. The exchange rate is usually less favourable (compared to Google), and a service fee is imposed for the transfer, which therefore reduces your capital being sent across. So how do you know what’s the best to use for your money transfers / remittances? Simple, check how much you receive on the other side. In recent years, online fintech companies have emerged...

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Why I’m on Team Cashback instead of miles credit cards

The war is officially on for cashback vs. miles credit cards, and I’m standing up for Team Cashback. This was originally written for and published on SingSaver.com. I have edited the article further since. Miles give you access to experiences, but you can go further with cashback The MileLion brings up a fair point that most people probably wouldn’t be willing to spend S$10,000 to buy a First Class seat, but yet be more than happy to claim that with their miles. But here’s my take: That joy is short-lived (and is over in a matter of hours). Cashback...

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Up to $50,000 to be claimed – Are you IN? (SingSaver’s Cashback vs. Air Miles Contest)

SingSaver is giving away up to $50,000+ of FREE CASH for this month as an early incentive for Chinese New Year 2019. Are you in or are you in? Wait, what’s happening?! In case you’re clueless, the last few months have seen me battle it out with Aaron of The MileLion (an obsessed miles junkie) over whether cashback or air miles credit cards are more superior. Obviously there’s a place and time for both sort of cards, and you’ve seen me made that distinction very clearly on this blog before, but today, it is time for everyone in Singapore...

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Prenatal and Postnatal Massages : Are they worth it? My review and weight loss with Post Natal Massage Singapore

I never believed in how essential prenatal and postnatal massages were until I encountered them myself. Here’s why, and my Post Natal Massage Singapore review of their services for both prenatal and post-delivery. My experience with Post Natal Massage Singapore Are prenatal massages worth it? If you suffer from aches and water retention during pregnancy, then I would definitely think so. Benefits of prenatal massage: To reduce lower hip and back pain Improve blood circulation Reduce swelling Reduce leg cramps In my case, they really helped me. When I was pregnant, I initially didn’t want to spend money on...

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2018 Reflections – $50k Saved, Net Worth, Investments, and the way forward

2018 was the year my life changed forever, as I got pregnant and gave birth to my firstborn within this year. Once you have a life you’re now responsible for, and one who’s so vulnerable and completely dependent on you for their survival…your whole world undergoes a massive change. Gone were my days of quiet, personal time and being able to work / write without stopping; now, I’ve to drop everything once my baby cries and go to tend to him. But of course, a baby comes with huge costs as well, and we knew this would significantly affect...

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Are Confinement Nannies Necessary? Should I Hire a Confinement Nanny or DIY?

Ever had a job where you had absolutely no experience, no training, other people’s lives were at stake, and you weren’t allowed to quit? That’s parenting, when you have your firstborn. Naturally, as first-time parents, we were generally anxious and pretty much clueless on what we should do. Throughout my entire pregnancy, I read up a lot, went for multiple pregnancy conferences (those were super useful, I highly recommend all expecting parents to go for them) and even attended a hands-on class with Thomson Parentcraft, but yet felt ill-prepared when our baby was born. The first few weeks are...

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My Miles Hacking Strategy + Miles Credit Cards

Wanna know how to get FREE flights? You heard me right. No, this isn’t a gimmick, and it is no scam. The method is simple: redeem free flights using the right miles credit cards for expenses you’re already paying for. Now, it is no secret that I prefer cashback over miles when it comes to my credit cards, but I did mention before that you probably want to have both because there may be some cases where it actually pays to have a miles card (especially in cases where it doesn’t fit into your qualifying cashback card categories).  I...

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Actual Hospital Bill for Pregnancy Delivery in Singapore

As a follow-up to my previous post where I estimated the bill sizes for delivery in various hospitals in Singapore, before deciding to go with Thomson Medical Centre given their affordability and other reasons detailed here. I managed to gather the actual hospital bills for a few hospitals from my fellow mamas who had delivered close to my dates (2 – 3 weeks before / after), and here’s how they compare: Actual Hospital Bills (October – November 2018) Mummy’s Bill: Gynae and anaesthetist fees have been excluded from the comparison as these service fees vary according to the professionals...

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A Comprehensive Guide to Government Grants for Newborns and Babies

There’s a wide range of benefits available to parents if you’re having your baby in Singapore. I came to learn of all these cash grants and freebies when I was pregnant with my first child, but realised that many of my peers aren’t fully aware of what they’re entitled to, so here’s a full list of what you can get and how: I detail them below on what they cover, and how you can apply to claim your benefits: The Baby Bonus cash gift The First-Step CDA grant and dollar-for-dollar matching MediSave Maternity Package MediSave Grant for Newborns MediShield...

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A Comprehensive Guide to Government Grants for Newborns and Babies

There’s a wide range of benefits available to parents if you’re having your baby in Singapore. I came to learn of all these cash grants and freebies when I was pregnant with my first child, but realised that many of my peers aren’t fully aware of what they’re entitled to, so here’s a full list of what you can get and how: I detail them below on what they cover, and how you can apply to claim your benefits: The Baby Bonus cash gift The First-Step CDA grant and dollar-for-dollar matching MediSave Maternity Package MediSave Grant for Newborns MediShield...

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Which Hospital Should I Deliver In? (KKH vs TMC. vs MAH)

Public vs. Private?We took a total of 8 months before deciding on which hospital to deliver in, because being Budget Babe, I wanted to really review and evaluate my options before deciding! After all, childbirth is going to be one of the most major experiences in my life, and I really wanted to think through where would be best for me as I go through this milestone that will change my life forever. One of the major considerations of whether to deliver in a public or private hospital would be that of costs. To get an estimate of the...

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Which Hospital Should I Deliver In? (KKH vs TMC. vs MAH)

Public vs. Private? We took a total of 8 months before deciding on which hospital to deliver in, because being Budget Babe, I wanted to really review and evaluate my options before deciding! After all, childbirth is going to be one of the most major experiences in my life, and I really wanted to think through where would be best for me as I go through this milestone that will change my life forever. One of the major considerations of whether to deliver in a public or private hospital would be that of costs. To get an estimate of...

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Pregnant? Here’s how much money you may need to prepare from pregnancy to delivery and your baby’s first year

Needless to say, being pregnant in Singapore isn’t a cheap affair. There are many costs to think about, and the bills can easily add up, leading to stress over a lack of finances if you aren’t prepared for it. What should one expect to spend and save up for when you get pregnant? Here are some costs to think about (numbers are estimations based on my own pregnancy journey this year): Pre-natal / Pregnancy costs Gynae visits ($1,000 – $3,000) Each consultation will easily set you back by $100 – $300+ depending on whether you’re seeing a public or...

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