SG Budget Babe

Call the bank account directly. Ask them about your case and get them to resolve it for you. Don't release any personal information.

Hi Shandy, I'm going to give my opinion from an income investing perspective. Key things I take into consideration are: - Does the company have a strong balance sheet? - Does the company have a track record of profitability? - Is the company having a consistent record of paying growing or steady dividends? That helps me to decide if the company is worth buying. The entry and exit prices would be based on whether the company is under valued compared to other peers. Even if a company is a decent one, I would want to get in at a fair price if possible. It's like saying that you like to drink coke, but won't pay $2 for a can at Sentosa. Dividend stocks can be keep for years if the company remains good. You'll have to monitor and review regularly. For growth stocks, this is where you probably hold them for a while and then sell off to take profit. Usually these would be in fast growing sectors like tech or healthcare, and companies here tend to be harder to value. You'll have to determine if the company is below its intrinsic value before deciding if it is good to buy or not. There is no one-size fits all answer, so tread with caution and never go all in into a single stock. That's courting disaster.

Great dream you have out there! Not impossible, but the road there might seem impossible. A few things off the top of my mind is to minimize your expenses, only spend what you need and not want, fully utilize all credit card & bank accounts as you can. These 2 above actually still doesn't bring you close, and I think you would have to take more risks to reach there, and for me that's investing my $ in huge growth potential companies. And the most riskiest way would of course be to start your own business, being an entreprenuer. But it would take a lot of courage and emotions (and luck) to make it out as well!

I’m personally using Seedly and it has been great in terms of showing all the expenses in a very clear format. However, recently the app has been logging me out every single time I close the app. Not sure if it’s some bug, hope they fix it soon. Not that I’ve heard of any tracking app for couples.

Why not both? Firstly make sure you're covered for 5 X your Annual Income in the event of illness. This is your income protection and it pays you and your family should you fall ill and need to stop work and recover. I'd make sure I have a base cover of a single pay CI policy for whole of life first that adjusts for inflation. I'd pay this off in 20 years. Next, I'd top up a term policy with multi claim CI till about 65/70/75. Also because these plans make you pay throughout the policy term as well. This helps you reduce your overall premium plus still give you some recurring payouts should you be unlucky and have certain conditions haunt you even after you recover once or twice.

Personally using Google Sheet. There's too many different kinds of offerings and it's hard to just use 1 app to aggregate all the info.

Probably the 13-inch then unless u need the GPU + better thermal performance for video editing, heavy duty coding, gaming (probably should get a windows if u're gaming). Even the airpods promo sale now is an additional $100 only. So HAHAH, u get cheap laptop + good sound.

You name most of them already. As for the planning for retirement part, i am actively expanding my knowledge on investing so that i can improve the rate of returns on my savings by being able to invest effectively and efficiently

Everyone has different priorities in different stage in life, and that's totally understandable. For me, as simple as it might sound, we always have a choice in what we want to do. It's all about "allocating" the priorities. To answer your question, I choose to read updates from my investing community rather than general market news (for eg). It's about choosing which "makes more sense" to you. It's never easy, and sacrifices have to be made sometimes, but at the end of the day, we all made the best choice we see fit at any point in time :)

My parents are not that young anymore and I do not want them to take or feel that they are at risk when it comes to investment. After much consideration, I decided not to convince them to invest their money, but rather, I will invest more of my money to support them somehow. I am their retirement plan.