This post was created in partnership with POSB. All views and opinions expressed in this article are Beansprout's objective and professional opinions. What happened? As we get to the end of 2024, I’ve been thinking about my financial journey so far this year. After all, this was a year where we saw fair sizeable shifts to the personal finance landscape in Singapore. I have been sharing frequently on Singapore T-bills, and it is hard not to notice that the yield on the 6-month Singapore T-bill has fallen from its highs of above 4% late last year. We also saw the announcement of the CPF Special Account (SA) closure for those aged 55 and above in January 2025, which prompted many of us to re-evaluate our retirement planning. In the meantime, I’ve been watching my spending more closely as living expenses continue to climb. This made me think – what are some good financial habits to adopt to enable...