Emphatically, credit cards have changed the way I spend my money over the years. In fact, my expenditure revolves around using the right credit card. This is so as to optimise the value of my spending. Given that there are so many credit cards, let me share my arsenal for 2023. Table of Content: Cashback Credit Cards Miles Credit Cards Reward Credit Cards Cashback or Miles? Disclosure: This post on Credit Cards contains referral links (in a collaboration with SingSaver). Hence, I may get some money for coffee when you use my referral link for the credit card application. But nope, there is n ..read more

After spending more than three months on meticulous planning together with careful deliberation, I started writing for the internet on 5th January 2019. Even till today, I could vividly remember the first post that I wrote – Learning Curve in Life. In that post, I elaborated on the quarter life crisis that I faced and how I started this blog to overcome the predicament. That year, I published 52 blog posts in total, or one post each week. In fact, if you have been following my writing journey since the beginning, you may have remembered my blog’s original tagline, New Post Every Wednesday at ..read more

All in all, Senoko Energy offers one of the most competitive rates for the open electricity market price plans. Moreover, its excellent customer service makes you feel assured that you will be working with the right company. After all, each plan comes together with either a 12-month or a 24-month contractual period. Hence, you won’t want to fall into the wrong hands. With this in mind, let me share about my recent experience with Senoko Energy, and why I decided to purchase my home’s electricity from them. Table of Content: Market Comparison Open Electricity Market Retailer Ratings Public Rev ..read more

On balance, Citi Rewards card focuses on users who adore online shopping and take private hire rides. While this may be true, you may also pair your Citi Rewards card with the right app to expand its usage. Overall, I didn’t expect to use this card as often as I thought I would. With this in mind, let’s learn about Citi Rewards card and whether you should consider getting it today. Table of Content: What is Citi Rewards Card Main Benefit Main Cost Eligibility How I use Citi Rewards Card How to Redeem the Reward Points Final Thoughts Sign-Up Promotion Disclosure: This post on Citi Rewards Car ..read more

For one thing, the GrabPay card has been one of my favourite utility card in my credit card arsenal (though it is not a credit card). This is owing to its generous acceptance and to give rewards for most of the merchants in Singapore. When you pair it together with the right credit card, the GrabPay card allows you to earn both credit card rewards and GrabRewards points. With this in mind, let’s learn about the GrabPay card and why you should have it in your wallet today. Table of Content: What is GrabPay Card Main Benefit Main Cost How I use the GrabPay Card Final Thoughts How to start One ..read more

As a matter of fact, many of us regard term insurance as an affordable option to acquire life insurance coverage. This is owing to its high efficacy; that is to pay for insurance coverage only. Given that simplicity, will such an insurance policy be capable of fulfilling your needs entirely? Let’s go through four factors that make a term insurance an attractive proposition for your insurance portfolio. Table of Content: What is a Term Insurance Policy Affordable Rate of Premium High Financial Leverage Fixed Coverage Period Zero Cash Value Plain Vanilla One Minute Summary: Firstly, a term in ..read more

Basically, time value of money is a financial concept to state that for the same amount of money, it is worth more today than it will be in the future. For the most part, this has been one of the most important and applicable financial concepts that I have learnt since my days in university. With this in mind, let’s learn more about time value of money and how it works today. Table of Content Understanding Time Value of Money The Formula Sample Calculation Real Life Application Final Thoughts One Minute Summary All in all, for the same sum of money, it is worth more today than it will be in ..read more

Through a monthly budget, you get a clear understanding on your cash flow pattern every month. For the most part, this is imperative when it comes towards planning for your financial goals. To illustrate, you may wish to save up for your wedding, a new home, or to cater towards your retirement needs. Since my days in university, I have been using the same budgeting process and this has helped me to simplify the way I build up my savings over time. With this in mind, let me share my strategy on how to create a monthly budget. Table of Content: What is a Monthly Budget Why You should create a M ..read more

When you are looking into life insurance coverage, you will realise the constant debate on term vs whole life insurance. In truth, we all want to pay affordable prices for the right scope of coverage. With this purpose in mind, let’s compare the two common options available on the market – term vs whole life insurance. Table of Content: What is a Term Insurance Policy? What is a Participating Whole Life Insurance Policy? Premium Coverage Cash Value Conclusion on Term vs Whole Life One Minute Summary: Summing up, the absolute cost of a standalone term insurance policy is cheaper than a parti ..read more

All things considered, choosing the right open electricity market retailer is a fairly important decision. In addition to the obvious reason on paying lesser money for your electricity bill, you may also adore a fuss-free experience. To point out, there are some plans with both an attractive upfront offer and an equally daunting hidden charge. In order to save you the drama, here is a guide that you may find useful. Table of Content: Basics of the Open Electricity Market The Electricity Tariff Trend The trend for Standard Fixed Price Plan The trend for Standard off the Regulated Tariff Plan T ..read more