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Lifestyle

Do you set a budget for Christmas shopping?
Z

ZY

Level 6. Master

Answered 4h ago

It's nice of you to think of buying gifts for friends or colleagues. For friends, I guess it depends how close you are to them. For colleagues, if you are buying for the whole team, department or office floor, perhaps 1 chocolate bar (kitkat) or 2 Ferrero rocher each is good. Can replace it with nature valley if your colleagues are the health conscious type. I had a colleague who baked 2 chocolate chip cookies for each teammate. It's always the though that counts. Most importantly, do not buy gifts to impress. I am sure your colleagues would be happy to receive even a small gift.

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Shopping

Lifestyle

What are some good gifts to get your parents for Christmas?
Anything useful. See if any of the appliances they are using is breaking down and have them replaced.

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Lifestyle

Travel

Transport

How to redeem SingapoRediscover vouchers?
How to Redeem your SingapoRediscovers Vouchers Online ! - Step 1: Have your SingPass ready - Step 2: Browse for your favourite activities on partner booking platforms: Klook, Trip.com, Changi Recommends, GlobalTix, Traveloka, Trip.com. Eligible activities are marked with the SingapoRediscovers Vouchers icon - Step 3: Add the activity you want to the shopping cart - Step 4: When you are ready to pay, click on 'Use SingapoRediscovers Vouchers' at the checkout page - Step 5: Login using SingPass to choose the amount of SingapoRediscovers Vouchers you want to redeem - Step 6: Fill in any other necessary details like details of family members - Step 7: Copy the generated SingapoRediscovers Voucher code and paste it on the checkout page - Step 8: Complete the checkout process and enjoy your SingapoRediscovers experience! If you need help redeeming your SingapoRediscover Vouchers, there are 69 physical counters islandwide. Here's more information on the Seedly SingapoRediscover Vouchers Article
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Lifestyle

Food & Bev (F&B)

Why do Western / Japanese / Korean food seem to always cost more than Chinese / Malay / Indian food at hawker centres and food court?
I think more of the market rate. The meat they use are all the same for hawker centre. But i think indian food is the most expensive. Same price as chinese but the portion is like feeding ants.

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Savings

Lifestyle

Any recommendation for a good expense tracking app with bank synchronisation?
DBS NAV planner? Don't even need to synchronise, it's already inbuilt.

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Investments

Lifestyle

Value Investing

Stocks Investing

Where should I invest when inflation rises?
It's hard to say what the "best" investment is without taking into account your personal risk appetite and the volume of your liquid assets. For example, a fresh grad looking for high growth might look into crytptocurrencies or individual stocks (both of which can have high volatility). While a retiree might be a lot more defensive and invest into bonds or dividend stocks that might not have as much of a growth potential, but provide generally stable returns. In terms of countering inflation - Singapore's inflation is generally quite stable at ~0.5%, so technically even a high interest savings account that returns 2% would be able to counter inflation. I think one way to look at it is to portion your investible funds into different risk profiles, if you have the funds / time to manage them. A composite strategy of investing into bonds, etfs and reits might return higher yields compared to bonds alone, and has less risk than if you invested into reits alone since you are now diversified into different areas. Hope this helps!

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Lifestyle

Fresh Graduates

Family

Personal Finance 101

Entertainment

Was wondering how much do adults spend for recreational activities or hobbies on a monthly basis. These include gym, music classes, art classes, martial arts, jamming classes, gaming subscriptions etc.?
First let me say that I find some comments here are for one upmanship without contributing to the discussion. "My investing hobby is better cuz it makes me money" "I don't have hobby so money saved." Not all hobbies or recreational activities need to have a financial return or financial value to give them meaning. From your post it seems you've done due consideration of the $$ spent on hobbies relative to your income, and if you're comfortable with it, go on and enjoy without the guilt that you're "wasting money". Seedly being a personal finance forum, opinions here may be more one dimensional, and understandably so. So I hope to contribute an alternative viewpoint.

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giga!

Singtel

Mobile Plans

Lifestyle

Should I port to giga or change to singtel sim only plan? All the bad reviews on giga is making me skeptical and scared about it?
My husband has been using giga for the past few months and he never encountered issues. He lives in the east and works in the west.

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Lifestyle

Credit Cards

How important is getting a credit in Singapore? Does credit score matters?
I haven't had to get any loans yet so my reason for getting a credit card is more for its immediate benefits (e.g. cashback) instead of building credit score... but hey that's a nice side-effect.

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Shopping

Lifestyle

Are end of year sales cheaper than Christmas sales?
Depends on actual item and brand. Not everything goes on sale at each of these events. If you plan to get something soon but can wait till 12.12, why not wait! It may go on offer. You may want to check the current price first. If it's really urgent, then just get the item and enjoy the value you get from using the item asap!

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