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Dominic Chang

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Dominic Chang

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Dominic Chang

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Zero1

Zero Mobile

Dominic Chang
Dominic Chang
Level 3. Wonderkid
Updated on 07 Jun 2019
How much data do you use? and how fast do you need your data. If you can peg your data use to a certain number, compare the prices and see if it is worth it to take unlimited data. As some workplace has WIFI, you may get away with lower data caps. However if you have high data usage, also factor in how fast you need your data. Streaming ZERO X looks good but just day to day task i believe you can get a better deal with Zero1

General

Investments

Dominic Chang
Dominic Chang
Level 3. Wonderkid
Updated on 07 Jun 2019
Depends on how hard you want to work. Firstly, you have 7.5k in savings, and 5.5k left. I would just leave them all in either SSB, or a short term endowment (less than 4 years.) This is to have money to pay off your fees on your final year and prepare for grad trip (if you intent to) and savings when you transit between being a student and working. FD also isn't a bad choice if you can find one with good rates, but SSB 1 year rate is kinda really good now. PS this assumes you are going to pay your fees in cash in full.

Cryptocurrency

Investments

Dominic Chang
Dominic Chang
Level 3. Wonderkid
Answered on 11 Jun 2018
When is it a good time to invest in anything? You never know

General

Dominic Chang
Dominic Chang
Level 3. Wonderkid
Answered on 07 Jun 2018
Review your lifestyle. Ignore how much you save on month 1. Then each month on, track and try to reduce your expenses as a challenge to yourself. Do it until it hurts. That is what you need to live. Then now you can accurately extimate your expenses and savings.

Insurance

Dominic Chang
Dominic Chang
Level 3. Wonderkid
Answered on 07 Jun 2018
Integrated Shield Plan and then wait. Ignore everything until you understand what else you need. If you have bought the MINDEF group term life plan, its a good idea to keep it for life insuarance portion. Its really cheap.

DBS Altitude Visa Signature Card

DBS Live Fresh Card

Credit Card

Shopping

HSBC Revolution Credit Card

Standard Chartered Unlimited Cashback Credit Card

Dominic Chang
Dominic Chang
Level 3. Wonderkid
Answered on 07 Jun 2018
Depends. You can look into BOC Family card. 10% on Dining, 5% on online shopping. However minimum spend is $700 so you will be putting everything onto your card expense.

UOB

DBS Multiplier

DBS

UOB One Card

UOB One

Investments

Dominic Chang
Dominic Chang
Level 3. Wonderkid
Answered on 07 Jun 2018
I work around this issue using other means to save. First I use BOC credit card for its cash back, but due to no salary credit bonus, I stuck with OCBC frank giving me 0.2%, and usually keep the bulk in SSB or buy stocks/REITS. If I do need emergency funds, I can swipe my credit card first then redeem my SSB to pay the bills. WIth this general strategy, my bank account does not have too much cash.

Credit Card

Dominic Chang
Dominic Chang
Level 3. Wonderkid
Answered on 07 Jun 2018
Maybank Vibes. 1% cashback on almost all expenses. 500 credit limit, if you need more sorry. You can always pay early to free up more credit. Note this is still a credit card. Defaulting on payment WILL affect your credit score. The alternative is citibank student card. It offers you CItibanks huge catalogue of promos. But points rewards with a limit of 500 is hard to accumulate in my oppinion.
Level 3. Wonderkid
38PointsGoal 40
2 POINTS TO LEVEL UP
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