I am celebrating my 39th Birthday this month.                                  Thus, I would like to share my personal 39 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 of ~28% 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 When you make payment via cards, you will be rewarded with either cashback / miles / points....