(Giveaway) Share your favourite Personal Finance Tool or Site you use and why? It can be an App, bank, card or digital wallet. Win a $50 ticket to GoBear Personal Finance Masterclass!

Been using these apps while handling my budgeting and shopping needs.

1. Old school Microsoft Excel Spreadsheet (Comfort found in TALLYING NUMBERS)
2. Checking out if food outlets is on Entertainer, ShopBackGO before deciding on meals (budgeting counts)
3. Seedly app to count my moolahs (automatically) before any expenses is to be made.
4. GoodBudget (Monthly virtual budget pockets for various expenses)

Expenses wise, will be via MasterCard (PayPass online or in-store) or Google / Apple Pay (Security matters for flashing your credit cards to merchants).

GrabPay works as well too (To clock additional rewards points as GrabRewards, onwards to GrabPlatinum membership with every $$$ spent)

The newly revamped CIMB World Mastercard is a hidden gem. It gives unlimited 2% cashback on Wine & Dine, Entertainment & Recreation, Automobile and Duty Free Stores purchases, and unlimited 1.5% cashback on all other spend. No annual fee ever.

As a Mastercard, it can also be registered with the Account-Based Ticketing (ABT) System to pay for public transport.

This card sure beats the highly acclaimed and popular Standard Chatlrteted Unlimited.