Share your top personal finance tips and hacks here!

I'm not well versed in investment so I'll focus on the small little things about saving, which people tend to overlook. Hope this can help somebody.

1. Save with high-interest saving accounts

If you draw a regular monthly salary, there are many options - UOB One, DBS Multiplier, OCBC 360. Choose one that matches your spending pattern the most.

Otherwise, you may also consider POSB Cashback Bonus. Salary is just one of the components, which would potentially make this account attractive to freelancers, housewives, people with income less than S$2,500 etc.

2. Pay yourself first

Always set aside a portion that you intend to save when you get your pay (or allowance, if you're a student) before you do anything else.

3. Pay your credit card bills on time

This is the kind of interest that you DO NOT want to have!

4. Skip ordering a drink to compliment your meal (or after meal)

A can of drink doesn't cost much (

circles.Life Ride for Rewards

Those who commute using an EZ-Link card, you may consider installing the "circles.Life - Events, Rewards & Telco" mobile app:

• iOS

• Android

This app gives you 10 Life Points for every ride taken on the bus or train using your EZ-Link card. These Life points can later be redeemed for the following rewards:

• Grab ride vouchers ($3 for 300 Life Points)

• Golden Village movie discounts ($2 for 200 Life Points)

• foodpanda food vouchers ($3 for 300 Life Points)

As I have taken 79 rides to-date, I have accumulated 790 Life Points.

Here are the screenshots of what the rewards redemption looks like:

Assuming you take one ride from home to anywhere and then take another ride back home each day, that's 20 Life Points per day. Repeat this process for 10 days, and you will be able to redeem 1 Golden Village movie discount for 200 Life Points. 15 days to redeem either 1 Grab ride voucher or 1 foodpanda food voucher for 300 Life Points.

As an additional hack, each ride transfer gives you an additional 10 Life Points! For example, supposed I'm in Yishun and I need to travel to Aperia Mall. I tried taking bus service 857 and then transfer to bus service 133 . Then, to travel from Aperia Mall to Serangoon MRT, I tried taking bus service 13 and then transfer to MRT service towards Punggol (North-East Line). The next day, I checked that 40 Life Points has been given instead of 20 Life Points!

Download and install this app today for your personal finance journey!

One tip is to save more money by using a piggy bank!

I'll kick it off! Quite a simple 'hack' that most people will know. This is with regards to credit card applications and free gifts. You've seen those credit card applications that offer a free cool looking luggage that you'd really like. But wait! There's a minimum spend.

The easy way to get by this would be to buy grocery vouchers with the card to hit that minimum spend, and voila! Said luggage is yours! heh! After all, we do need to buy groceries don't we?