Author: Singapore's Budget Babe

My Battle with Postpartum Depression and How I Overcame It

When I first started talking about my feelings post-delivery, I was told by some people that I should “stop complaining” especially since I’m lucky enough to have a baby. Others told me “not to cry” because it would “spoil my eyes”. None of that helps when you’re a new mother depressed because of your hormones and breastfeeding difficulties, and I only sunk in deeper. It took me three months to walk out of the darkness, and I’m writing this post today for the benefit of the readers who reached out to me on Instagram (you know who you are),...

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Tips: How to Save Money in Your Newborn Baby’s First Year

Raising a baby doesn’t have to be expensive, and I’ll be sharing my own tips on what worked for me along the way as I raise my own baby Nate. But first, let me let you in on a secret: I paid only $15 for my baby’s diapers (newborn size) and almost nothing for his toiletries in the first few months, largely thanks to free samples. That saved me a ton of money! Here’s how I did it. There’s a LOT of stuff to buy for a newborn baby, but not everything is essential. I’m a huge advocate of...

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Should I Write A Will? (Yes) and How You Can Write One For Free (thanks to MoneyOwl!)

In my previous article where I introduced MoneyOwl, I mentioned that they’ll be rolling out more services in time to come. And now, they’ve launched their Digital Wills Writing Services. I’ve just used it for myself to get a will (written for FREE), and thought some of you might also be interested to do the same.Why should I prepare a will? The importance of having a will struck me when my dad first highlighted that he wanted one because of his ill health and repeated hospitalisation stays. He wanted to have a say in how his assets will be...

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How to Survive Breastfeeding – My Breastfeeding Essentials

 Things I wish I had known before I gave birth and which could have helped make my breastfeeding journey a less painful one.Congratulations! You’ve just given birth to an adorable and healthy little baby. Now what? Looking back, I’ve no idea why I feared childbirth and labour so much – those were a walk in the park compared to the breastfeeding pains I went through! No kidding. To give you an idea of how painful my journey was, I struggled with raw and sensitive nipples, BLEEDING nipples (yes!! My PD even scolded me for feeding my baby blood which...

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RSS Plans: a super simple method to kickstart your investment journey

I often get emails from readers telling me that they would like to invest in stocks after having read my blog, but are too afraid to start because they don’t know what stocks to pick, or are not sure if they have enough money to invest. My answer has always been that if you’re a beginner starting out on your investing journey, then Regular Shares Savings (RSS) Plans might just be a good place to start. What are Regular Shares Savings Plans? For a quick 4-minute introduction to the world of RSS plans, you can watch this video below:...

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Most VALUE-FOR-MONEY Dessert Table in Singapore

For big, celebratory affairs, I’ve always stuck to Manna Pot Catering because they are Singapore’s most affordable F&B caterer. They’re a HUGE group owning multiple businesses, which includes an in-house bakery, several restaurants, and more! Famous among budget brides, parents and renowned for their customised birthday parties, word of Manna Pot Catering has since spread like wildfire among various Facebook groups. After the beautiful job they did for us at our wedding, we knew without a doubt that we wanted to work with them for subsequent events as well. Over the weekend, we held our 100-day celebration party for...

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5 Investment Lessons That I’ve Learned In My Personal Investing Journey

If I could distill my time and experience in investing into 5 key lessons that I’ve learned, they would be: 1. Time in the market is more important than timing the market When I first started out investing, I knew the mantra of “buy low, sell high” was the way to profits, so I naively believed that timing the market was more important, even though experienced investors told me otherwise. But I’ve come to realise that it is extremely difficult to time the market. I’ve tried technical analysis and various indicators, but one thing that you can never account for are black...

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How to invest in dividend stocks without getting burnt

How can you invest in high dividend stocks without getting burnt?  Let’s admit it, who wouldn’t want a stock that pays you high dividends every year (or quarter)? It sounds really sexy but reality is not always that pretty.  I love investments that pay me a dividend and I cannot lie. What’s not to love, when I can shake leg at home and still get paid regularly?  But whenever you invest in such, you have to first and foremost make sure that your underlying capital is protected. And don’t just trust analyst reports. You need to do your own...

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How to DIY Your Own Confinement

I previously wrote on why it might be worth getting a confinement nanny, especially if you’re a first-time mother, but if you’re unable to spare $2,800+ to get such help, there are still ways you can DIY instead. Other reasons to skip the confinement nanny could include: If your mother or mother-in-law is helping you through confinement If you have a domestic helper at home If you’re tight on cash and cannot afford to spare $2700+ for a nanny The key assistance and duties of a confinement nanny covers the following, so these are what you need to find...

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Make Your Life Easier During Chinese New Year

Happy Chinese New Year! This year was our first time visiting so many houses with a baby in tow, and wow it was indeed more challenging than it looks! Because of that, I’ve never been more thankful for how everyone has tried to make our lives a little easier this CNY by helping out. Other than POSB installing their pop-up ATMs in various neighbourhoods – making it easier for busy parents like us to stop by and get new notes – we also had tons of fun with their new QR ang baos this year! Head over to my...

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RateX – Save money when shopping online with promo codes + lowest FX fees + cashback!

Tired of manually searching online websites for discount codes each time before you check out? Well, now you can skip that whole process with just one click of the button, via RateX! The online Chrome browser extension does all the heavy-lifting for you so you don’t need to, and helps you save money in 3 ways:One click to try all available promotion codes automatically (no more frustrations over promo codes that don’t work!) Pay the lowest exchange rate for supported merchants like Althea, Sephora, ASOS, Zalora, Agoda, Booking.com, Klook, Expedia, Hotels.com, Redmart, Lazada, Groupon, PhotobookSG and iHerb, etc. Collect cashback...

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Save more money in 2019 with the best cashback credit cards!

For new readers, you ought to know first that I’m huge on cashback credit cards. I love them so much that I’ve even written a book (The Ultimate Cashback Guidebook) and developed an app with a reader for all these cashback credit cards! In my last few articles, I’ve talked about why I prefer cashback credit cards over miles, and the type of person you have to be in order to play and enjoy the miles hacking game. Since then, I’ve gotten questions from readers asking which are the cashback credit cards I personally like and would recommend. I’m...

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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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