Alex Tung - Seedly
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A technical engineer in SG

Alex Tung

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A technical engineer in SG

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Alex Tung

  • Answers (15)
  • Questions (0)
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Payments

Savings

Lifestyle

Shopping

How to buy things online without a credit card?
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Alex Tung
Level 4. Prodigy
Answered 1d ago
Hi there: 1. Use debit card instead. 2. Use the third party platform. Like Googlepay, Grabpay, or some instalment platforms to buy now pay later. 3. Transfer the online transcation to offline, and pay by cash. Hope it helps!
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Savings

Payments

Lifestyle

What are your life hacks to save time and money?
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Alex Tung
Level 4. Prodigy
Answered 3d ago
Hi! I always: 1. Make full detailed plans for every expense, make every cost count. 2. Process every thing in high efficiency. 3. Give up any unecessary items with high cost. 4. Try to spend in a smart way, like some new fashion pay later payments. 5. Reflect month bills and conclude every month's performance. That's it. Thanks!
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Financial Planners

Savings

Personal Finance 101

I'm 23, where can I seek financial planning?
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Alex Tung
Level 4. Prodigy
Answered 2w ago
Hello! Mentor, community, family..... lots of people may help you. But it all depends on yourself. As a young beginner, the most important is to control your cost. Maybe try some new easy payment method to relieve your finanical pressure and make every expense smarter.
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Payments

Credit Cards

Debit Cards

Shopping

Lifestyle

Which is the best way of checkout for online shopping?
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Alex Tung
Level 4. Prodigy
Answered 2w ago
Well, actually e-payment platform transactions are all based on your bank account. You have to attach your credit/debit card information with any platforms to proceed any finanical services. In terms of the best, I may suggest this new payment called paylater. You can pay your bills monthly and it's interest free.
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Payments

Lifestyle

Expenses

Savings

What are some interesting money habits you have developed over time?
AT
Alex Tung
Level 4. Prodigy
Answered 2w ago
Hello! Here is my way: 1. Make plans for every spending. When you get your salary, try to make full detailed plans to make every expense counts. 2. Secondly, give up any unnecessary costs to reduce total bills. 3. Try to learn to some new payment ways. This is a good idea I think, it can relieve economic pressure efficiently by paying later monthly. Hope this answers you well. Thank you!
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Investments

Savings

Savings Accounts

Is there any smart way for saving? How to live in an economic way?
AT
Alex Tung
Level 4. Prodigy
Answered 3w ago
Hi there! Well, this is a big topic which is really tough to say. Everyone has their own way to live, so I am not sure if I could provide you with an efficient way. Firstly, make plans for every spending. When you get your salary, try to make full detailed plans to make every expense counts. Secondly, give up any unnecessary costs to reduce total bills. Thirdly, try to learn to pay in instalments. This is a good idea I think, it can relieve economic pressure efficiently by paying later monthly. Hope this answers you well. Good luck!
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Payments

Savings

Lifestyle

Hearing a lot about instalment payment methods that can be used for items like furniture and fashion items. Any thoughts on this and which providers are best? Is it financially wise to use?
AT
Alex Tung
Level 4. Prodigy
Answered 4w ago
Hello! Maybe you could try Atome. I have used before, purchased items or a service upfront by paying 0% interest over 3 instalments. Atome splits the total bill into three equal and interest-free instalments. The first instalment will be paid at the time of my purchase, and the remaining two instalments every 30 days apart. But please be aware that the debit or credit cards should be in long use.
👍 0

Payments

Lifestyle

Is there any "Pay Later" or "installments" payment platform in Singapore? How can I use it? How many merchants can I use?
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Alex Tung
Level 4. Prodigy
Answered on 09 Jul 2020
As I know, there are some, but in my opinion, Atome is satisfied. Three instalments with 0% interests. But a very limited merchants it has. Anyway, recommand to try.
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Payments

Credit Cards

Lifestyle

Savings

Recently I have heard a local financial instalment platform called Atome. Did anyone use it? How it works and it is reliable?
AT
Alex Tung
Level 4. Prodigy
Answered on 01 Jul 2020
Hi, greetings! Atome is a local Instalment Platform. Atome will equally split the total bill into three interest-free instalments.The first instalment will be paid at the time of your purchase, and the remaining two instalments every 30 days apart. Atome is based on the principle of “Buy now, pay later”. Here it works: 1. Select the product you want and add it to the cart. 2. Checkout and select payment option: Atome 0% interest over 3 instalments. 3. Download Atome SG app and scan QR code or continue with PC to complete payment. Shop and pay later now! Hope this answers you well. Find more here.
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Payments

Grab

What are the pros and cons of paying for Grab services using Grabpay or Credit card?
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Alex Tung
Level 4. Prodigy
Answered on 01 Jul 2020
Compared with Grabpay and credit card, I highly recommand Atome. It is based on the principle of “Shop now, pay later”. Payment comes via three manageable repayments spread over two months period by Atome.The first instalment will be paid at the time of your purchase, and the remaining two instalments every 30 days apart. Hope this is useful to you.
👍 1
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