Saving & Spending
Here are the Credit Cards I Use A Lot
By Sethisfy  •  April 21, 2024
A brief note on cashback vs miles (again) For the benefit of those who are new to my credit card philosophy, I’m not someone beholden to either cashback or miles. If someone asks you whether you want money SGD or USD, the correct response is: “how much?” Getting S$10 beats getting US$5, but US$5 beats S$3. This is my approach when it comes to credit card rewards – if I can get 6% cashback, 4 miles per dollar isn’t that attractive. But if something only gets me 1.5% cashback, 4 miles per dollar is a pretty decent offer. Generally, picking the larger number tends to be correct in my books to derive more value. Check out lists of Best Cards for areas of spend Of course, my card choices may differ from yours since we probably have very different spending habits. Check out the Best Cards to use for different situations....
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By Sethisfy
As an adult, I’ve been through many ups and downs in my career path and personal finance journey, not unlike many Singaporeans. From my years as a tied insurance agent turned independent financial adviser, I realised that there are very few sources of proper, unbiased financial advice for working adults to access. Worse, self-styled “financial consultants” are selling products like savings plans and ILPs to the detriment of the clients whose interests they were supposed to serve.
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