Ernest Yeam Wee Leong - Seedly
Ernest Yeam Wee Leong

Singapore's Lifestyle and Personal Finance blogger. Tips on www.justbeingernest.blogspot.com/

Ernest Yeam Wee Leong

42Upvotes

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Singapore's Lifestyle and Personal Finance blogger. Tips on www.justbeingernest.blogspot.com/

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Ernest Yeam Wee Leong

42Upvotes
  • Answers (58)
  • Questions (2)
  • Reviews (0)

Career

Ernest Yeam Wee Leong
Ernest Yeam Wee Leong
Level 4. Prodigy
Answered 3w ago
You can do those that require low cost or no cost to get started such as Tuition or Buy sell stuff I wrote an article previously on "9 Ways To Make Extra Money in Singapore While Keeping Your Day Job" You can read it here below http://justbeingernest.blogspot.com/2019/03/Make-Extra-Money-in-Singapore4.html

Credit Card

Ernest Yeam Wee Leong
Ernest Yeam Wee Leong
Level 4. Prodigy
Answered 3w ago
I used Maybank eVibes Card when i was a student. Gives you 1% cashback. https://info.maybank2u.com.sg/personal/cards/credit/credit-card-for-student-evibes.aspx There is also DBS Live Fresh Student Card. Gives you 0.3% cashback. https://www.dbs.com.sg/personal/cards/credit-cards/live-fresh-dbs-visa-paywave-500-card I would go for DBS Visa Debit Card if you are going to spend more than $400 a month. Gives you 3% Cashback. https://www.dbs.com.sg/personal/cards/debit-cards/dbs-visa-debit

Credit Card

Ernest Yeam Wee Leong
Ernest Yeam Wee Leong
Level 4. Prodigy
Answered 3w ago
Before deciding on what card to get, it will be best to first know what your expenditure patterns are. I would suggest tracking your three months spending behaviour to know what are the categories that you spend on more frequently and how much. Once you have the data, you can then proceed to do comparison among the various credit cards to see which one will give you the highest returns. For the types of credit cards, i wrote an article here for reference. https://justbeingernest.blogspot.com/2017/05/rewards-for-using-credit-cards.html Personally after being in the credit card "game" for about 3 years, below are the cards that i have which are a combination of miles, points and cashback. !
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Career

Ernest Yeam Wee Leong
Ernest Yeam Wee Leong
Level 4. Prodigy
Updated on 21 Jul 2019
Before taking the plunge, you might want to look at asking yourself these questions. - Will i have the passion to do this for the next 5 years? - If my youtube account suddenly closes down, will i have enough money to tide me over? (6 months emergency money) - If i can do this youtube channel part time while maintaing my full time job, why not do both rather than quit the job?

Shopping

Ernest Yeam Wee Leong
Ernest Yeam Wee Leong
Level 4. Prodigy
Updated on 21 Jul 2019
To use shopback is actually no cost to you so no harm trying. Shopback basically gives you cashback for using them since they are paid a commission for driving sales to their partners. Below is my cashback history and the money that i have received. It is literally free money given to you when you spend through Shopback. ! Besides using it for online shopping to get cashback, you can also use it to get cashback for offline spending from many F&B with their newest product "ShopBack Go" I have "saved" alot of money using ShopBack Go when eating at restaurants that they have partnered with. ! You can actually stack it with other rewards and wrote an article to show how it works. ( https://justbeingernest.blogspot.com/2019/07/best-payment-method.html )
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Lifestyle

Savings

Shopping

Ernest Yeam Wee Leong
Ernest Yeam Wee Leong
Level 4. Prodigy
Answered on 30 Jun 2019
Hi Vanessa, glad you asked this questions as i actually wrote an article about simplygo vs Ezlink rewards recently. Links is here http://justbeingernest.blogspot.com/2019/05/simplygo.html I am leaning more towards simplygo due to the convenience of not having to do topup at the topup machine. In terms of rewards wise, you will need to look at what rewards do you prefer. If you prefer rewards that are seamless and automatic, then do switch to Simplygo as they are usually given as cashback, points, miles or rebates. If you prefer the rewards from Ezrewards such as lazada, starbucks or food republic, then do use Ezlink for your transport instead. Wrote an article about Ezrewards benefits here too. http://justbeingernest.blogspot.com/2018/02/ez-link-mobile-app.html

Lifestyle

Savings

Credit Card

Ernest Yeam Wee Leong
Ernest Yeam Wee Leong
Level 4. Prodigy
Updated on 21 Jun 2019
1) if you are going to spend big, apply for a credit card via gobear/singsaver/moneysmart Go for those that are giving free money or rewards for sign up bonus 2) ensure that you have a list of items that you want to buy 3) find the products from the various shopping sites and track the url of these products 4) look for banks promotions for the various shopping sites 5) check regularly on shopback for various upsized cashback or promo codes 6) follow the shopping sites facebook, instagram and sign up for their email list to be aware of any promotions or discounts 7) use shopback to get cashback from the shopping sites. Above are some of the tips i have for shopping online. i have other more tips written here as well https://justbeingernest.blogspot.com/2017/03/smart-online-shoppers.html

Savings

Investments

Ernest Yeam Wee Leong
Ernest Yeam Wee Leong
Level 4. Prodigy
Answered on 21 Jun 2019
If you have settled your insurance coverage and emergency money, then you can put this sum of money into low risk investment products like savings accounts, singapore saving bonds, astrea bonds or fixed deposits. then consider more risky products like stocks or reits or p2p or robo-advisor. i put money into p2p before and shared my experience here. http://justbeingernest.blogspot.com/2017/07/moolahsense.html lost some money and made some money so you know what to expect.

Credit Card

Promotional Codes

Ernest Yeam Wee Leong
Ernest Yeam Wee Leong
Level 4. Prodigy
Answered on 21 Jun 2019
Hi there, i wrote a review on Youtrip which you can check it out here http://justbeingernest.blogspot.com/2018/11/Youtrip.html Free free to share with others the pros and cons of youtrip. quite useful for using in countries for large purchase amount.

Retirement

Investments

CPF

Family

Savings

Bank Account

Ernest Yeam Wee Leong
Ernest Yeam Wee Leong
Level 4. Prodigy
Updated on 19 Jun 2019
Congrats on making the effort to know more about finance and helping to plan for your mum. Below is an analogy in terms of soccer team. Firstly you will want to build your goalkeeper first which is insurance Secondly to build on your defences which is emergency money. Thirdly your midfielders are your savings account, get those that give high interest rates. Fourthly your strikers are investments, low risk first before high risk investments. Fifthly is the manager which is you on planning what to do next at every quarter Lastly is the fans which are people that you can count on for support and guidance like the seedly community.
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