2020 started off at a pretty lacklustre pace. With one bad news after another (personal finance news, that is), it was indeed demoralising for some of us that micro manage our finances closely, leaving no money lost to inflation! 

I have listed down some of the major changes (regarding saving accounts, credit cards rewards, payments) that have either been reduced in terms of “rewards” or delisted completely. On the flip side, I will also include other alternatives that are available as of today to compensate the negative impacts. I certainly hope that anyone of you reading do take note of these changes and make amendments to your lifestyle and financial choices!

The BAD

1 . DBS Multiplier Changes
By now, most of us would have known the changes (more bad than good imo) DBS has decided to implement on its Multiplier account. Ironically, just about a year ago, I wrote the