Singapore turns 55 today. To celebrate our nation’s birthday, here are 55 Personal Finance and Investing tips, some of them uniquely Singaporean.  Do not spend more than you earn. No. Just no. Track your expenses. Because that is the only way to know if you are spending more than you earn. Here are some useful apps to make tracking a breeze. Pay yourself first. Sock away some cash every month. Do it before paying all your other bills. Saving even a small portion of your income will see you build tremendous wealth over the years. Automate your finances – The purpose of a habit is to remove that action from self negotiation. Set up standing instructions. Start a regular savings plan. Never use a credit card for credit. Use them for cash back. Use them for miles. Use the Amex Centurion to impress your friends. But always pay them off in full monthly and never roll over the...