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Dawn Fiona

Singapore's top female personal finance & lifestyle blogger. Tips on www.sgbudgetbabe.com

Dawn Fiona

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Singapore's top female personal finance & lifestyle blogger. Tips on www.sgbudgetbabe.com

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Dawn Fiona

  • Answers (166)
  • Questions (1)
  • Reviews (2)

SG Budget Babe

Loans

HDB BTO

Dawn Fiona
Dawn Fiona
Level 7. Grand Master
Answered 4w ago
I'm in favour of a bank loan now because interest rates are so low. For reference, I'm paying just 1.8% on my bank loan for my flat whereas the HDB loan is at 2.6%. That's a LOT of difference. Of course, the risk is that bank interest rates may go up in the coming years but at the moment it's a risk I'm willing to take, given the huge savings.

CPF

Property

Family

SG Budget Babe

Dawn Fiona
Dawn Fiona
Level 7. Grand Master
Answered 4w ago
If you co-own your property as joint tenants with your spouse, then it will go to you since you're the surviving tenant. For CPF, in the event that your spouse did not nominate you, then it will go under Interstate Succession Act where it will be distributed between you and your spouse's parents/siblings/children etc. A will is important because it governs the distribution of your assets according to your wishes. If not, it is up to the prevailing government laws for distribution, and you're gonna have a very hard time disputing it.

Credit Card

Grab

GrabPay Card

Cashback

UOB One Card

SG Budget Babe

UOB

Dawn Fiona
Dawn Fiona
Level 7. Grand Master
Answered 4w ago
UOB One and AMEX True Cashback. There used to be more, but many of the credit cards T&Cs have since changed and you can now spot specific exclusions for Grab where it wasn't there before.

SG Budget Babe

Wedding

Lifestyle

Dawn Fiona
Dawn Fiona
Level 7. Grand Master
Answered on 13 Dec 2019
I bought mine from Taobao haha and no regrets! https://www.sgbudgetbabe.com/2017/04/how-i-taobao-ed-my-wedding-gown-and-why.html

SG Budget Babe

Family

Dawn Fiona
Dawn Fiona
Level 7. Grand Master
Answered on 13 Dec 2019
Hey fellow momma! I feel you, what you described sounds like me earlier this year too! What worked for me eventually was getting help, so I activated my in-laws and we hired a helper to help too. My post-natal blues finally disappeared after that. Before my helper arrived, I was really going crazy doing almost everything myself! Please do not hesitate to get help whether from a helper, your husband, parents, in-laws, siblings, or even friends. It is okay to feel overwhelmed, big hugs. Stay strong momma!

SG Budget Babe

Savings

DBS Multiplier

Bank Account

DBS

Dawn Fiona
Dawn Fiona
Level 7. Grand Master
Answered on 13 Dec 2019
The top contenders now I feel are: - DBS Multiplier - UOB One - OCBC 360 - SCB Jumpstart (only if you're under 26) DBS BYOB used to be a fantastic one too but they've since stopped it. BOC SmartSaver is also not bad but only if you earn an income high enough to meet its requirements. Its ibanking interface sucks though I heard! I've never used that account because I'm not rich enough hahaha.

MileLion

Travel

Cashback

SG Budget Babe

Dawn Fiona
Dawn Fiona
Level 7. Grand Master
Answered on 13 Dec 2019
No. You'll be better off using a cashback card and then using that money to buy economy class tickets. It'll be cheaper and more worth it.

SG Budget Babe

Wedding

Lifestyle

Dawn Fiona
Dawn Fiona
Level 7. Grand Master
Answered on 13 Dec 2019
Some bridal packages offer great value for money, some don't. The best way would be to shop around for both ala-carte and package options, then decide for yourself which you like best!

Stocks Discussion

Investments

SG Budget Babe

Family

Dawn Fiona
Dawn Fiona
Level 7. Grand Master
Answered on 13 Dec 2019
I started learning investing by reading books - here's my list https://www.sgbudgetbabe.com/2017/07/recommended-books-on-personal-finance.html I also wrote about my investment approach here https://www.sgbudgetbabe.com/2017/05/my-investment-approach.html But as life got more hectic, I found going for paid courses extremely useful. And I also spend time on commuting reading / during weekends. It is up to us to manage our time so we can squeeze in some learning! A few minutes each day adds up to a lot. Jiayou :))

SG Budget Babe

HDB BTO

Family

Property

Dawn Fiona
Dawn Fiona
Level 7. Grand Master
Answered on 13 Dec 2019
My regret was that I didn't apply for my BTO when we were younger and when our paychecks were smaller. For those who are already sure that you wanna get married, I would personally apply as early as possible to maximise the subsidies you'll get!
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