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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 (178)
  • Questions (1)
  • Reviews (2)

Insurance

Family

SG Budget Babe

Dawn Fiona
Dawn Fiona
Level 7. Grand Master
Answered on 15 Feb 2020
Lots of ideas there, and I recommend that you speak with several advisors whom you can trust to get their suggestions before you make your decision. Note though that you shouldn't focus on trying to trim down to the basic, but focused on covering the needs that you can't afford to pay for.
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Expenses

Family

SG Budget Babe

Dawn Fiona
Dawn Fiona
Level 7. Grand Master
Answered on 15 Feb 2020
Your rainy day funds refer to fixed expenses, so if your parents rely on that allowance to get by, then yes you should be counting that into your emergency funds.
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Wedding

Family

SG Budget Babe

Dawn Fiona
Dawn Fiona
Level 7. Grand Master
Answered on 15 Feb 2020
Be aligned with your wife first before you go for the meeting. If both of you already have a fixed budget and idea in mind, then it is easier to get her to support you when negotiating with your future in-laws.
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Wedding

SG Budget Babe

Dawn Fiona
Dawn Fiona
Level 7. Grand Master
Answered on 15 Feb 2020
How much do you want to bless your friend with? Do you simply want to give a fixed amount you're comfortable with, or a minimal sum to at least cover the cost of your seat, or extra to bless your friend for his/her new journey into wedded life?
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Career

Lifestyle

SG Budget Babe

Dawn Fiona
Dawn Fiona
Level 7. Grand Master
Answered on 15 Feb 2020
There's nothing wrong in leaving a job you're miserable in and where you're not growing. It won't be a red flag if you know how to present it in your CV.
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Family

SG Budget Babe

Dawn Fiona
Dawn Fiona
Level 7. Grand Master
Answered on 15 Feb 2020
Check out MoneyOwl here where you can write a will for free. It is the easiest and most fuss-free option right now.
👍 0

Travel

Career

MileLion

SG Budget Babe

Credit Cards

Dawn Fiona
Dawn Fiona
Level 7. Grand Master
Answered on 15 Feb 2020
I would use the UOB Lady or DBS World card paired with a multi-currency card so you can still get the miles + lounge access, while not having to pay exorbitant DCC or FX fees. You can learn more about the different multi-currency card options available here and decide which one works best for you. Top choices are usually YouTrip or Revolut - depending on how savvy an app you want with bonus perks. https://www.sgbudgetbabe.com/2019/12/dont-have-multi-currency-card-yet-heres.html
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Stocks Discussion

Investments

Family

SG Budget Babe

Dawn Fiona
Dawn Fiona
Level 7. Grand Master
Answered on 15 Feb 2020
Here's what I'd do if I were in your shoes: 1. FInd out what was the entry price that your parents bought them at. 2. Check if you're sitting on losses or profits now. If the current price is less than the original entry price, factor in dividend gains over all these years to make a more accurate assessment. 3. Next, look at the underlying fundamentals of the stocks. Are they still worth holding on? Are they good investments now? If the answer is yes, then just hold. Whether to hold or sell now would depend on what you do in step 1 and 2. So get those details first before you decide how you want to manage it. P.S. Most of the stocks you mentioned are relatively safe blue-chips so it shouldn't be too bad - my guess is that they're probably sitting on profits if they bought a long time ago and not at too high a price.
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MileLion

Cashback

Standard Chartered Unlimited Cashback Credit Card

SG Budget Babe

Promo Codes

Credit Cards

Dawn Fiona
Dawn Fiona
Level 7. Grand Master
Answered on 15 Feb 2020
You can get more than that by looking out for finance aggregators like SingSaver when thye run promotions on the card - I've seen SC Unlimited with $150 - $300 before on several occasions. It's a pretty good unlimited cashback card at 1.5% with no minimum spend...until yesterday, when Citibank launched their Cash Back + card that now gives 1.6%.
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Standard Chartered Unlimited Cashback Credit Card

Cashback

SG Budget Babe

Credit Cards

Dawn Fiona
Dawn Fiona
Level 7. Grand Master
Answered on 15 Feb 2020
There's a better cashback card in the market now, try Citibank Cash Back+ with 1.6%. I've been able to waive my Citibank annual fees so far even though there were a few years here and there where I barely even used the card.
👍 0
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