Author: Singapore's Budget Babe

What should you consider before taking out a vehicle loan?

Not many of us are fortunate enough to be able to pay for our vehicle in full using cash. As a result, we usually have to resort to taking out a loan in order to finance our purchase. A few of you have asked me to write about our own thought process when we got our car last month, so here’s me continuing this as Part 2 of my previous post here. The first thing you’ll want to do before you decide to even go ahead and get that car, is to first check your finances to ensure you don’t...

Read More

Good luck to those of you who invested in XRP (Ripple tokens)

For those of you who have been reading this space for quite some time, you know that I don’t often write negative stuff here. However, I make an exception when I feel that it is something in the public interest to know, or it is an important expose to make because people are getting misled. I wrote about Ripple (XRP) tokens a few days ago because I could no longer take how people were being blindsided by the mass media and various online “influencers” into buying it. If you’re new to crypto, please read these first: A step-by-step guide...

Read More

Why I think Ripple (XRP) is a shitcoin

If you’re new to crypto, please read these first: A step-by-step guide to buying (and owning) your first Bitcoin A step-by-step guide to buying alt coins Understanding crypto speak Moving onto Ripple, which has now climbed to #2 in the world. Yet I think the Ripple tokens (XRP) are shitcoins, and I’m not alone on this. Read on for my analysis. The funny thing is, most of the people who have been in crypto the longest are almost absolutely anti-XRP. But if you ask the fanboys and the fangirls…they’re often the newbies, who will tell you that XRP is...

Read More

My #1 Advice for those new to crypto / Bitcoin

My #1 advice for those of you who are new to buying crypto… Only invest using money you can afford to lose. The crypto world is a volatile one. Prices swing up and down all the time. Can you stomach the ride? One moment your screen looks like this… You’re happy with your crypto profits, wondering if you should cash out, but then you remember that everytime you sold previously it only went up higher. So you decide to hold onto your coins. Then the next moment this happens: Are you sure you can sit through this? Maybe you...

Read More

The Ultimate Guidebook to the Best Cashback Tools in Singapore

If your new year’s resolution for 2018 is to save more money, one fantastic way to start is to get maximum cashback and rewards from your expenses. My stance towards money is very simple – I believe in always getting the best value for my dollar whenever I spend. To achieve this, I’m always on the lookout for the best deals and tools that can help me on my financial journey. Imagine if you could get cash back on your income tax payments to IRAS (or other mandatory expenses like utility bills, school fees and rental), and be rewarded...

Read More

2017 Update: How I Doubled My Net Worth In 1 Year

2017 has been an amazing year – I got married to the love of my life, officially moved in with my in-laws, finally visited Venice, went into cryptocurrencies right before its massive bull stream that catapulted it into mainstream consciousness, wrote an entire cashback guidebook (look out for the password to access it tomorrow in your inbox!)…and did a whole bunch of speaking engagements for CPF, DBS, Seedly, and more. It has been such a memorable year and I’ve learnt so much. We’re now nearing the end of the year so it is time for an annual review of...

Read More

Warning: Do NOT bank in these "cheques" you get from the banks!

Because we all need Public Service Announcements to save us from banking in money that isn’t ours. There’s a marketing tactic being practised by the various banks in Singapore which I’m going to call out today as being extremely unethical and misleading, but hey that’s just my personal opinion and you’re free to disagree. If these banks haven’t yet gotten a warning by MAS for their tactics, then my guess is that either MAS is completely unaware, or have chosen to close an eye to this. Whatever it is, I believe this is an issue that needs more awareness,...

Read More

BITCOIN PLUNGES BY 40% IN A SINGLE DAY!

BITCOIN PLUNGES BY 40% IN A SINGLE DAY. IS IT A PONZI? IS BITCOIN A SCAM?! I opened my screen this morning only to see almost every single coin down by 30% – 40%. EVERYTHING WAS BLEEDING RED. Not even the oil crisis previously did we see such a massive tank overnight in terms of percentage losses. But in the world of crypto, this isn’t the first time. Someone I know lost half a million ($500,000) overnight thanks to this crash. Can you just imagine that? Can you stomach the risk? The funny thing is, he wasn’t even the...

Read More

Practical Ideas for Christmas Gift Exchange (under $30 – 50)

Stuck while trying to figure out what to buy for your upcoming Christmas gift exchange? Or for Secret Santa?I’m not the biggest fan of Christmas gift exchanges for a very simple reason – I don’t always get to use the stuff I’m given, and I find that a huge waste. When I shop for gifts, I always focus on practicality and whether I think the recipient will use it. (Note: This is NOT a sponsored post. All recommendations are of my own.)Here are some of my favourite practical gifts for the different types of people in my life:For bosses I’m...

Read More

Practical Ideas for Christmas Gift Exchange (under $50)

Stuck while trying to figure out what to buy for your upcoming Christmas gift exchange? Or for Secret Santa?I’m not the biggest fan of Christmas gift exchanges for a very simple reason – I don’t always get to use the stuff I’m given, and I find that a huge waste. When I shop for gifts, I always focus on practicality and whether I think the recipient will use it. (Note: This is NOT a sponsored post. All recommendations are of my own.)Here are some of my favourite practical gifts for the different types of people in my life:For bosses I’m...

Read More

IPO Analysis: Clearbridge Health Limited

While there has been quite a number of IPOs getting listed on SGX recently, none have managed to successfully capture my attention, but I was admittedly quite intrigued when SGX informed me that there was a new healthcare IPO coming to the Catalist Board. Details Clearbridge Health Limited commenced trading today. Its IPO price was at $0.28, which unfortunately was not open to public subscription, and it ended its first day of trading flat at the same price. Business Clearbridge specialises in precision medicine, which is the practice of identifying the individual characteristics of each patient as well as...

Read More

A step-by-step guide to buying alt coins

There’s been a lot of sponsored ads popping up on my Facebook recently, each claiming how to teach you to buy your first Bitcoin. All of those ads were mainly promoting CFDs (contracts for differences), which basically allows you to speculate on the rise or fall in prices of Bitcoin. For those who are new to CFDs, you are basically buying a contract between yourself and the CFD provider, and NOT the underlying asset. In other words, you’re not buying the actual Bitcoin(s) and neither do you own it.I won’t name and shame the companies here, but their tactics are similar: –...

Read More

Buying a car? Here’s the best deals on car loans in Singapore for you

With public transport in Singapore being a letdown in recent years (who’s tired of hearing SMRT announce a “track fault” by now? I sure am!), I take back my words from 2015 when I wrote about how ditching the car could make you a multi-millionaire (assuming you took your monthly vehicle expenses and invested it instead). As we progress in life and start a family, the benefits offered by a car cannot always be measured in monetary terms. Although I would disagree with the need to get a car just to keep up with the Joneses, it is hard...

Read More

Best Cashback Credit Cards to get for 2018

If someone came up to you to offer you free cash on the money you’re already spending every month, would you say no? I didn’t think so either. Everyone needs a good cash back credit card, period. If you’re still paying via NETS / your debit card, it is high time you embraced the cash back rewards that credit cards have to offer!I previously revealed the cards I have in my wallet during the live debate last week, but also shared a first glimpse into the spreadsheet I’ve been working on which captures the best cashback credit cards to...

Read More

Terms to know in the cryptocurrency social universe

When I first dipped my toes into the universe of cryptocurrencies, I could barely understand a word of what the crypto folks were talking about on Reddit, Medium and the various other forums. It was like a whole new different language, and I’m not even referring to the technical terms found in most of the whitepapers. Given how much price is largely driven by market sentiment in the crypto universe, it pays to understand what’s happening on the ground, so today’s guide is largely targeted for the newbies who need a little help understanding the slang flying around on...

Read More

Like us on Facebook

Follow us on Twitter