Are you sick and tired of the high interest rates? How has it impacted you? What actions are you taking?

Continue investing as per normal

Experts predict rates may start to decline in 2024, so hopefully it will.

I am more cautious with spending and focused on building emergency savings...also considering refinancing options for my home loan as rates potentially decrease. For now, it's important to stay informed about economic trends. While the situation may improve, it's wise to prepare for rates to remain elevated compared to recent years.

Make use of the t-bills and SSBs while they are higher. Also use high savings acc https://blog.seedly.sg/best-savings-accounts-si...

High interest rate benefits people who are not servicing loans and has cash to place in t-bills/SSBs and even FDs. Conversely, it bites into those with outstanding loans as the amount of interest payments will increase significantly.

I always see those housing loan by private institution. Does anyone try before? Is there any hidden fee? the interest are always lower than bank