Author: Singapore's Budget Babe

Review of Cryptocurrency – The Board Game (Kickstarter)

If you’ve ever wondered about the cryptocurrency world, or how to teach the concept to a newbie, there’s now a new game in the market to help you. Developed by none other than the guys behind Capital Gains Studio (yes, the same folks behind Wongamania and Debtzilla), I was recently invited to play the game and LOVED it. This is one game I’ll use to teach my friends about cryptocurrencies and how they work in the real world. There’s just so much information out there that it can be really confusing, and many get so intimidated that they don’t...

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Review of Cryptocurrency – The Board Game (Kickstarter)

If you’ve ever wondered about the cryptocurrency world, or how to teach the concept to a newbie, there’s now a new game in the market to help you. Developed by none other than the guys behind Capital Gains Studio (yes, the same folks behind Wongamania and Debtzilla), I was recently invited to play the game and LOVED it. This is one game I’ll use to teach my friends about cryptocurrencies and how they work in the real world. There’s just so much information out there that it can be really confusing, and many get so intimidated that they don’t...

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Would you give up on your own retirement plan to fund your child’s education? I wouldn’t!

Would you give up on your own retirement plan to fund your child’s education? Apparently, 90% of Singaporean parents would. I belong to the 10% who will NOT, but before you slam me for being selfish or a bad parent, hear me out first. If I fail to plan for my own retirement – which includes living expenses and healthcare costs – this burden will eventually fall onto my child. And that’s not being fair to him. Being in a situation today where my husband and I are limited by the choices we can make precisely because our parents...

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Would you give up on your own retirement plan to fund your child’s education? I wouldn’t!

Would you give up on your own retirement plan to fund your child’s education? Apparently, 90% of Singaporean parents would. I belong to the 10% who will NOT, but before you slam me for being selfish or a bad parent, hear me out first. If I fail to plan for my own retirement – which includes living expenses and healthcare costs – this burden will eventually fall onto my child. And that’s not being fair to him. Being in a situation today where my husband and I are limited by the choices we can make precisely because our parents...

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The Minimalistic Baby Essentials Checklist (for a first-time mother)

It can be really mind-boggling as a first-time parent to figure out what’s necessary and what baby items are good-to-have. After all, we’re constantly being flooded by ads online and by Instagram influencers, all of whom seem to say that pretty much everything is a must-have! Instead, I turned to the helpful community of Dayre mummies for advice, and consolidated our own version of a truly Minimalistic Baby Essentials Checklist that we’ll be using: Image credits In this list, I also share where I chose to get many of my baby items from, and there are plenty of ways that...

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The Minimalistic Baby Essentials Checklist (for a first-time mother)

It can be really mind-boggling as a first-time parent to figure out what’s necessary and what baby items are good-to-have. After all, we’re constantly being flooded by ads online and by Instagram influencers, all of whom seem to say that pretty much everything is a must-have! Instead, I turned to the helpful community of Dayre mummies for advice, and consolidated our own version of a truly Minimalistic Baby Essentials Checklist that we’ll be using: Image credits In this list, I also share where I chose to get many of my baby items from, and there are plenty of ways...

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Tips to Reduce Cost of Living (PM Lee’s & SG Budget Babe’s version)

PM Lee shared some tips during his NDP Rally Speech this year (2018). While I applaud the government for some of their initiatives – Medishield Life and CareShield – which I find are fantastic improvements, many of the tips that our dear PM shared didn’t seem to be particularly useful for middle-income households like mine. Here’s a summary of PM Lee’s tips: To save money on utilities: Be mindful of water and electricity usage For lower income families, U-Save rebates are provided to help offset some of the costs To save on mobile phone expenses: Watch your data usage...

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Tips to Reduce Cost of Living (PM Lee’s & SG Budget Babe’s version)

PM Lee shared some tips during his NDP Rally Speech this year (2018). While I applaud the government for some of their initiatives – Medishield Life and CareShield – which I find are fantastic improvements, many of the tips that our dear PM shared didn’t seem to be particularly useful for middle-income households like mine. Here’s a summary of PM Lee’s tips: To save money on utilities: Be mindful of water and electricity usage For lower income families, U-Save rebates are provided to help offset some of the costs To save on mobile phone expenses: Watch your data usage...

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How to Up Your Credit Card Game

If you’re not hacking the credit card game in Singapore to get free cash (back) or miles for money that you’re already spending, it is about time you got on the bandwagon. Image Credits I’m a huge advocate of credit cards because the way I see it, it is akin to someone coming up to you and giving you freebies (whether in the form of free cash or flight credits) on money that you’re already spending anyway. Of course, just remember to pay off your bills on time, because late fees on overdue credit card payments and compound interest...

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How to Up Your Credit Card Game

If you’re not hacking the credit card game in Singapore to get free cash (back) or miles for money that you’re already spending, it is about time you got on the bandwagon. Image Credits I’m a huge advocate of credit cards because the way I see it, it is akin to someone coming up to you and giving you freebies (whether in the form of free cash or flight credits) on money that you’re already spending anyway. Of course, just remember to pay off your bills on time, because late fees on overdue credit card payments and compound interest...

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Is Cord Blood Banking Necessary?

Becoming first-time parents sure comes with lots of stuff (and costs) to think about. One of the key concerns we had was whether we ought to store our baby’s cord blood – our gynae and relatives were for it, but the sentiments online were mixed. We’ve always heard that storing a baby’s cord blood was expensive, but when we enquired, the costs were honestly much lower than what we expected. At just $5,000+ to store our baby’s cord blood for 21 years, that works out to be less than $20 a month – even lesser than what we pay for (financial)...

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Is Cord Blood Banking Necessary?

Becoming first-time parents sure comes with lots of stuff (and costs) to think about. One of the key concerns we had was whether we ought to store our baby’s cord blood – our gynae and relatives were for it, but the sentiments online were mixed. We’ve always heard that storing a baby’s cord blood was expensive, but when we enquired, the costs were honestly much lower than what we expected. At just $5,000+ to store our baby’s cord blood for 21 years, that works out to be less than $20 a month – even lesser than what we pay for (financial)...

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Save Money by Getting These Baby Must-Haves from Taobao!

It is no secret that I’m a huge Taobao fan – after all, I’m that bride who saved tons of money by purchasing my wedding stuffs on Taobao, including my customized wedding gown! I’ve written about my Taobao wedding purchases here and here previously, and have been using SGShop for my purchases since 2016.Well, with all the upcoming baby expenses, I’ve also been shopping around diligently and doing lots of window shopping at Mothercare and Kiddy Palace, among other shops, to compare prices and quality. What I’ve discovered is that many of the items sold locally are priced at a premium, and I’ve...

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Save Money by Getting These Baby Must-Haves from Taobao!

It is no secret that I’m a huge Taobao fan – after all, I’m that bride who saved tons of money by purchasing my wedding stuffs on Taobao, including my customized wedding gown! I’ve written about my Taobao wedding purchases here and here previously, and have been using SGShop for my purchases since 2016. Well, with all the upcoming baby expenses, I’ve also been shopping around diligently and doing lots of window shopping at Mothercare and Kiddy Palace, among other shops, to compare prices and quality. What I’ve discovered is that many of the items sold locally are priced at a premium, and...

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Dr Wealth: Factor-Based Investing Course (FBIC) Review

What I like about Dr Wealth’s courses are that they delve a lot into academic research and market backtesting of strategies before they basically come up with their own formulas which you cannot learn from any investment book outside. I was recently invited to attend their revamped Factor-Based Investing Course (FBIC) and found it really helpful because whether you’re more inclined towards value investing, dividend or income investing, or trend following (through technical analysis), you’ll learn all of that within this single course. Here’s how their results have been like so far: What’s their secret?!?! That was exactly what...

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