! For DBS Credit card fees waiver is quite fast. Did it via iBanking and it was done within 3 days. Attached images for references.

Firstly start tracking your spending first for the first three months. Then observe what are the things that you spend on and how much is it. Then from there based on the credit cards that you are looking at, you can do a projection on the returns that you are going to get from that credit card. There are three main kinds of credit cards which are cashback, miles and points. For me i have DBS Livefresh (Cashback) and DBS Altitude (Points that can convert to miles) and POSB Everyday (Cashback) You can read up more about credit cards in my article below and the different types of credit card. Rewards for Using Credit Cards I write cool stuff about personal finance and money-saving hacks here.

Aiming to hit at least $200 monthly dividend income I write cool stuff about personal finance and money-saving hacks here.

Actually budget and stingy are two different perspectives. Budget means spending wisely. Stingy means being selfish. As long as the item that you are spending on you feel that is not worth it, then dont spend and you are not being stingy. But if is really a constraint to you then no point spending money just to be acceptable to others. I write cool stuff about personal finance and money-saving hacks here.

Definitely hospitalization first, then critical illness, then life, then accident. I wrote an article about it before. You can check it out below Types of Insurance Products that I Personally Bought as Working Adult I write cool stuff about personal finance and money-saving hacks here.

Most common stuff will be to do part time jobs like give flyers, FnB, hotels and events job. I wrote this two articles that you can probably find some gold nuggets in there 9 Ways To Make Extra Money in Singapore While Keeping Your Day Job 5 Ways to Earn Extra Money while Schooling I write cool stuff about personal finance and money-saving hacks here.

To avoid Hyflux disasters, simply do not investment any money........just kidding You can invest but invest in the right company with good financials. Avoid companies with negative cashflows, high debts, decreasing revenue and profits, huge losses, sunset industry, and lack of directions. I write cool stuff about personal finance and money-saving hacks here.

I will recommend putting in a small percentage into SSB. Use your age as reference, if you are 22 then put 22% of your money into SSB But you will need to take note whether is the returns from SSB is the highest among similar risk of investment products. If fixed deposits give higher returns than SSB, then it will be better to put into fixed deposits instead. Next regarding the remaining amount assuming that you have insurance settled, it will be good to learn how investment works and the different investments available. Learn how each investment works from experienced gurus and the skills needed to profit from investment. Putting money into investment without knowing how to do it will be risky in the long term. I write cool stuff about personal finance and money-saving hacks here.