Income’s Travel Insurance coverages Some of us might be travelling for a business trip, a wholesome holiday with the fam, or even an adventurous solo trip to scratch our wanderlust itch. Regardless of the reason, destination, and duration, it’s vital to get travel insurance to safeguard yourselves. It’s something we all know we should get The post 5 Lesser-Known Travel Coverages Like Lost Passports & Overbooked Flights To Get For A Worry-Free Vacay appeared first on TheSmartLocal - Singapore's Leading Travel and Lifestyle Portal ..read more

Changi Pay by Changi Airport Group Say you’re in the New Century Global Center in China or the Ginza Mitsukoshi in Tokyo. You’re about to pay for your shopping, but lo and behold, you no longer have any cash on hand. This is where Changi Pay will come in handy. This nifty payment function lets you go cashless with your payments abroad, with no transaction fees. It also has competitive exchange rates so you don’t have to go on a wild goose chase for the best money changers in Singapore. Here’s everything you need to know about this new feature: What is Changi Pay & where can it be used? Thi ..read more

Filing income tax in Singapore Getting your first job? Check. Getting your first paycheque? Check. Achieving all these firsts can be exciting but adulting becomes very real when you have to start paying your dues. Apart from footing bills, working adults have one more important annual payment – income tax returns. It might sound daunting but it’s a pretty straightforward process for most. To make things easier, here’s a step-by-step guide on how to file your income tax in Singapore. Btw, you’ll be filing this for income earned in the preceding calendar year from 1st January to 31st December. W ..read more

Singapore Budget 2024 guide Every year, February brings us the Singapore Budget, which sets the stage for our Government’s strategic fiscal focus for the year ahead. In simpler terms: how they’re going to divvy up spending for the country.  The Singapore Budget 2024 was announced by our Minister for Finance, Lawrence Wong, last Friday. It’s generated quite the buzz, but TL;DR, here’s a dummy’s guide on everything you need to know, and what it means for you. Cash handouts for everyone Image credit: Government of Singapore One of the things most of us look forward to at every Budget announ ..read more

UOB Credit Cards sorted by spending habits & perks You’ve landed here because you’d like a credit card that hooks you up with hella perks. Seriously, good credit cards are able to get you free flights, baller hotel room upgrades, cashback, and discounts. After all, if you’re going to spend money, you might as well get rewards out of it. However, with a bazillion options out there, picking a card that suits your needs is no easy feat, especially if you’ve never owned one. Fret not, we’re coming through with some suggestions to get you off to a good start. Check out the UOB Credit Cards belo ..read more

Finance tips for people in their 20s So, you’re naturally thrifty and have spent your 20s saving up enough money in your bank account to buy a house or a car? Congrats. Not much feels as good as having control over your finances. The rest of you who didn’t, plus those twentysomethings that are still living life to the fullest without checking their bank balance, take note of these finance tips. They’ll help you put a little extra cash in your pocket so you can start working towards major financial goals like your wedding, home renovations, and going on luxurious holidays. 1. Use budgeting apps ..read more

UOB Personal Loans & Balance Transfers Adulthood comes with dozens of big financial decisions. Big ticket purchases like renovating your dream home and the costs of raising a child – as joyous as those affairs may be – might put you on an instant noodle diet afterwards. If you have huge savings to cover them all, congrats. But if you don’t, then you may find our primer on UOB Personal Loans and Balance Transfers useful. Comb through so you know exactly how they work. What’s the difference between a personal loan and balance transfer?  In a nutshell, personal loans refer to a sum of mo ..read more

Saving habits of working adults in their 20s Adulting in Singapore is tough. The cost of living is continually on the rise, and we have a 9% GST hike to ‘look forward to’ in the not-too-far-off horizon. Now more than ever, it’s imperative to sort out your finances and see how much you’ve saved thus far. There’s no magic number to determine how much savings you should have in your 20s; after all, comparison is the thief to joy, and everyone’s circumstances are different. But as a general rule of thumb, you want to have at least 6 months’ worth of salary stowed for a rainy day. Plus, you want to ..read more

Dobin app perks Miss Ariana Grande once sang, “I want it, I got it”. But let’s be real, if we lived by this mantra, we’d all be penniless before our hairs turn grey. This doesn’t mean we have to completely restrict our spending though; it just means we have to be smart about it.  To help manage your expenses, the Dobin app tracks your money flow so you can maximise your savings and spend wisely. It also provides financial insights and AI-driven recommendations, as well as carefully curated discounts that are tailored to your lifestyle. Here’s how you can get the most out of the app:  ..read more

ERP Rates in Singapore It’s been called many things, ranging from jokes such as “Everyday Rob People” and “Every Road Pay” – anything but its actual name: Electronic Road Pricing.  Whichever one you like to use, it is no doubt that the easily recognisable blue and white ERP gantries situated all over our island and the harrowing beep of a deduction are the stuff of Singaporean motorists’ nightmares. Depending on your commuting routine, passing through these gantries can be quite costly without some prior planning or adjustments to your schedule. Here’s a handy overview of the ERP rates in ..read more