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Dawn Fiona

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

Dawn Fiona

90Upvotes

About

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

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Dawn Fiona

90Upvotes
  • Answers (124)
  • Questions (1)
  • Reviews (2)

Career

Dawn Fiona
Dawn Fiona
Level 5. Genius
Updated on 07 Jun 2019
I've been blogging since I was 12 and only started SGBB 4 years ago, a year after I graduated from journalism in university. I couldn't become a full-time writer because #AsianParents, so I needed an outlet elsewhere. It was only recently that I started accepting more sponsored posts...for the ones I would already have wanted to write about anyway (but no time / not too of my agenda. Money can push a topic to the top of my editorial agenda πŸ˜‚). Having said that, 90% of the content I write are unpaid. I wish more brands would pay us to write, but the sad truth in Singapore is that even finance brands would ask us financial bloggers to write for free while paying a dozen IG influencers $1k+ for an IG post on the same which actually barely skirts the surface of the financial product or service la. Not gonna name names but people with eyes can see πŸ‘€ why like that? I also dunno πŸ˜‚ Would I still blog about personal finance if there were monetary incentives from it? Yes, definitely! And I think all the SG financial bloggers will say the same. Anyone who started out for the money in this space will soon find out that there isn't much πŸ˜‚ we're not lifestyle bloggers you know. For a writer, a blogger, the biggest reward is in having an audience who are reading your words.

Wedding

Dawn Fiona
Dawn Fiona
Level 5. Genius
Updated on 07 Jun 2019
The biggest expenditure will be the dinner or lunch banquet for sure. Hotels are damn overpriced imo. I did my own budget wedding and pulled off a dinner banquet for under $100 per guest inclusive of venue, set up, decor, fresh flowers, a flower arch, a wide spread of food, and even a dessert table! Tips on how to do so, what's worth spending and what's worth cutting all here: http://www.sgbudgetbabe.com/2017/04/budgetweddings.html?m=1 Also has one with how to pull off for under $10k too if you want haha.

Parenting

Lifestyle

AMA SG Budget Babe

Dawn Fiona
Dawn Fiona
Level 5. Genius
Updated on 07 Jun 2019
To never look at price but to consider value. To make him think and spend in terms of utility. That money is a means to an end but it isn't everything either.

AMA SG Budget Babe

General

Dawn Fiona
Dawn Fiona
Level 5. Genius
Updated on 07 Jun 2019
Umbrella, wallet, phone, lipstick. Tuition materials and lesson plans / student essays on weekends. Used to have standby pads too but now that I'm pregnant I don't need them for this period LOL!

AMA SG Budget Babe

General

Dawn Fiona
Dawn Fiona
Level 5. Genius
Updated on 07 Jun 2019
I've written about this before! :) I started online in 2014 because I was looking for a new pet passion project to do after work, and I've always wanted to be a published author, so I decided to "self-publish" via a blog. My husband (then boyfriend) encouraged me to write about finance cos he felt I was quite savvy in that area and had been advising my friends on how to cut expenses and save more money for the longest time. I had ZERO traffic generation strategy - I started writing for myself and only shared on my personal Facebook to my friends. Back then I was quite shy about it too so if they shared my post, sometimes I would ask that they remove the tag identifying it as me (and just use Budget Babe). Who knew it exploded almost literally overnight and suddenly all my friends were sharing it, or telling me that their colleagues were talking about it in office! I was stunned! I still remember that moment when my friend Leonard showed me how many shares my blog post had gotten in just a matter of days : 200+ shares!!! It was crazy. I never planned for it. I never expected it. I never wrote with the intention of becoming viral nor an influencer. But as an author, the biggest reward and fulfillment comes from when more people read your writings, and like it. And that's how my story began...and still continues :)

Investments

PFF Panel 4

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Dawn Fiona
Dawn Fiona
Level 5. Genius
Answered on 04 Mar 2019
Hmm I saved $20,000 in my first year of work and so I used that to start with. But you can also start earlier even with just $100 a month! Like RSS plans

Investments

PFF Panel 4

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Dawn Fiona
Dawn Fiona
Level 5. Genius
Answered on 04 Mar 2019
Depends on you leh. There's many ways to invest, you have to find which one is most suitable for you based on your risk appetite, lifestyle and personality,

PFF Panel 4

Investments

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Dawn Fiona
Dawn Fiona
Level 5. Genius
Answered on 04 Mar 2019
"Enough" is subjective, as I mentioned during my talk. You have to decide what makes you comfortable / able to sleep at night. If having 6 months worth of expenses stashed away makes you able to sleep well, then go for that. If you're still worried, then go for a longer period / larger amount. It's up to you! Start reading (free method, but need time and effort) or shortcut your learning journey by attending courses to learn how to invest. My advice is to go only for the courses that are under $2,000, because I'm personally not convinced of the value for those who charge higher than that cos I've seen their notes / have heard from those who paid and regretted it.

PFF Panel 4

Investments

Seedly PFF 2019

Dawn Fiona
Dawn Fiona
Level 5. Genius
Answered on 04 Mar 2019
If you need the money in the near future then yes, FDs and short-term endowment plans might be more suitable. But you also want to use the 100k to earn more money. So what about splitting it into two pots? This is what we call portfolio allocation. Have some in risk-free investments, some in low-risk investments, and the rest in mid to higher risk investments.

PFF Panel 4

Seedly PFF 2019

Investments

Dawn Fiona
Dawn Fiona
Level 5. Genius
Answered on 04 Mar 2019
Hmm I don't predict property cycles so maybe you should speak to a property agent about this instead. However, the question I would pose to you is, if you were to cash out and downgrade now, what are you going to do with that cash?
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Level 5. Genius
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