Today I am celebrating my 33rd Birthday.
Thus, I would like to share my personal 33 financial tips with everyone.
Credit Card
Credit card is a very powerful double edged sword.
It will either:
1) help you to save money (Reward via Cashback or Miles) compare to paying with CASH
2) harm you with their super high interest rate average of 25%
Tips #01 : If you have trouble paying your credit card bills in full for 2 consecutive months, you should stop using your credit cards until the bills is fully paid.
Tips #02: You should obtain your personal credit score rating at least once per year via https://www.creditbureau.com.sg/
Everyone should aim to obtain AA or BB minimally.
Tips #03: You can get your free credit score rating when you applied for a new credit facility such as new credit card (Link).
Tips #04: Use credit card rather than Cash...