If you are earning a salary, I would suggest you to credit your salary to DBS and open a DBS multiplier account. Do note that you need salary credit + one other category. You can fufil by signing up a credit card and spend with it. Personally I enjoy using DBS as DBS has relatively good customer service. Also there are quite a number of attractive credit cards that DBS offers.

I would definetly hope to dine out soon and meet my friends haha. But I understand we would have to monitor things first, before resuming things back to normal. A lot have chanaged since COVID-19, especially for the industry I work in. So I hope that things get better soon and businesses can resume

I would suggest you to not just limit yourself to full-time perm jobs. If an opportunity such as interships and contract jobs arrive go ahead! What's most important as a fresh grad is to get as much experience as possible and learn as much as you can. In the meantime, do look for courses online to constantly upgrade yourself. If you are unable to look for a job related to your industry and you need money urgently, you might want to consider working part-time while upgrading yourself and searching for a job. All the best!

Like many others, one of the most useful tool for me is health insurance! Even though I am relatively young, I have been hospitalised twice due to a bacterial infection and food poisioning. It would have been a burden for my parents back then if I didnt have health insurance as they were going through a tough period of time. So I was very glad that they actually purchased health insurance for me ever since I was born. Especially during this period of time, getting hospitalised will not be cheap. So having health insurannce is very impt!

Spending tooo much on food at times HAHA. I used to work near my place (5 minutes walk) so I tend to save a lot for lunch as I return home for lunch. So I am usually able to splurg for my dinner without bursting my budget. But after I started working in my new job, I have to spend more money for lunch and am unable to continue the same sort of lifestyle I have as before, because I did not want to increase my monthly expenses.

Hi Anon, no doubt prices during this period of time looks attractive. But I suggest you not to invest if you have yet to do sufficient research. You do not want to be following what others are buying. Instead, I would suggest you to use this period of time to read up more about investment, attend some webinars and try and gain as much knowledge as possible before you start your investment journey. All the best! :)

Personally I feel that 6 months of income would be the safest! But it depends on individuals. If you are holding a stable I think 6 months of expenses is okay. However, if you are self-employed, commission-based and have dependents you might want to increase your emergency funds to abut 9 months of your income. Also, it depends your personal income as well. E.g. for an individual earning 20k, 6 months of income may be enough for them. But for individuals having dependents and earning 3k/month, 6 months of income may not be sufficient.

I started being interested investment for one reason: to grow my money. Coming from a not so well to do family, I know that I have to work extra hard to get out of the poverty cycle. Regarding your qn on whether or not you should go full time investing, I would suggest to build your career first. For investments, you will need an sizeable capital to get a significant sum of gain. Unless you are thinking of doing full-time trading, which you will need to understand a lot on technical analysis and etc. :)

I started trading when I was about 18. Had always wanted to learn how to invest and I saw an ad on social media about Plus500 and I started trading options without knowing exactly what I was even doing. Made and lost money there. Eventually I decided to stop whatever I was doing and research more about it first before I continue. After doing quite a bit of research, I bought my first stock when I was about 20 years old.

Personally as a part time student myself, I would continue to perservere on. No doubt studying part time is tough but remneber you are gaining both industrial experience and a degree. I believe most part time programmes have honours as well! Perhaps, if you really find in tough to cope, you might want to take more leave (Annual/ unpaid) to study during your exam period! After you graduate from university you can definetly still apply for masters programme if you did well! I have seniors from my course that managed to apply for NUS masters programmes after they grad. So it's possible! All the best! You are doing a great job by studying and working at the same time and I know that it's not easy!