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Eveline Lau

Eveline Lau

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Eveline Lau

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  • Reviews (6)

SG Budget Babe

Credit Card

MileLion

Eveline Lau
Eveline Lau
Level 6. Master
Updated 1d ago
Possible to survive without a credit card. Wise? It depends. If you're a spendthrift, it may be wiser to avoid credit card. If you have the maturity to control your spending well, yet you're not having credit cards, you're missing out on the benefits (cashback, miles).

SG Budget Babe

HDB BTO

Family

Property

Eveline Lau
Eveline Lau
Level 6. Master
Answered 1d ago
Yes, provided: 1. You're sure you guys want to marry each other - this is no brainer but many people are so motivated by owning a house that they did not consider this well and end up forfeiting the house and deposit 2. Both of you have planned and decided on how the family is going to be like for at least the first 5 years - this will set up how much money you need, whether you can be financially stable to have a family. Many couples end up in divorce in the first few years due to financial issues. 3. Both of you have done a financial projection for the next 5 years - Apart from the downpayment required, you are expected to pay stamp duty etc and more importantly in the future, paying the mortgage. Doing a projection of how much money you have and whether you can afford the house (and related renovation costs), and which size of house.

Career

Lifestyle

SG Budget Babe

Eveline Lau
Eveline Lau
Level 6. Master
Answered 1d ago
Never leave a job without a job. I would encourage you to find another job first (and probably fast?) before leaving the current job. But to stay put for a few more years just to make yourself seem "better" for future employers is not a good trade off for your mental health. That being said, I would also encourage you to assess exactly what is "not good" about your current workplace and job scope because every job out there is tough a tough job. Are you really being bullied and underworked or are you just not willing to work yet want to be paid? Or worse, is your dread for work and lack of interest in work due to other underlying issue e.g. mental health?

SG Budget Babe

Eveline Lau
Eveline Lau
Level 6. Master
Answered 1d ago
Unless social media is your rice bowl, it should be used during your free time instead of being part of your day-to-day activity and taking up bulk of your time. I think once you're clear that the use of social media is meant to be "fillers" to your time, it should not eat into one's personal time with family and friends.

MileLion

SG Budget Babe

Cashback

Credit Card

Eveline Lau
Eveline Lau
Level 6. Master
Answered 1d ago
Unless your trustee is aware of these awards and benefits, and have access to them to do something about them, they will be forfeited. Similarly, family members are generally not legally responsible for debts on credit cards left behind by the deceased.

MileLion

Travel

Cashback

SG Budget Babe

Eveline Lau
Eveline Lau
Level 6. Master
Answered 1d ago
Probably not so worth it because the miles are worth more when you redeem for better class fare (i.e. first and business or even suite). You might want to consider high % cashback cards instead.

General

Property

Insurance

Bank Account

SG Budget Babe

Eveline Lau
Eveline Lau
Level 6. Master
Answered 1d ago
I shared them news articles about people fighting over assets after their parents' death, even for very small amount of money, and also on how writing will can be as cheap as free (for limited time).

MileLion

SG Budget Babe

Cashback

Credit Card

Miles

Eveline Lau
Eveline Lau
Level 6. Master
Answered 1d ago
If you can meet minimum spending of $500/600 every month - UOB One or DBS Livefresh If you can't meet the minimum spending - AMEX True Cashback, Standard Chartered Unlimited If you prefer miles - UOB Lady Solitaire, DBS Altitude, DBS Woman's World

Career

General

Investments

SG Budget Babe

Eveline Lau
Eveline Lau
Level 6. Master
Answered 1d ago
Cut back of expenses, earn as much as you can and invest smartly on the amount saved. This is probably the only (realistic) way to become a millionaire by 30 other than winning lottery and inheritance from a rich relative. If getting 1 million by 30 is my goal, I would have started the mega-plan since JC days. Get the damn good grades and study some business/finance related course in college. Become some sort of investment banker or something similar and work darn hard at it to earn heaps of money. And invest all the money I can save using the knowledge I have through school and work. Unfortuntately I'm just some regular white-collar worker so 1 million is way out of my reach.

SG Budget Babe

Wedding

Lifestyle

Eveline Lau
Eveline Lau
Level 6. Master
Answered 1d ago
You have to ask yourself: - do I have the time to plan everything myself - how particular am I over ever detail of the wedding - do you know exactly what do you want If you are very particular over the details and have very specific concept over the various items, going for a bridal package may not work out for you. At the start, you may go "this is value for money" but as everything starts to pan out, you'll start to nitpick on everything and go bonkers. Similarly, if you don't know what you want, going ala carte may end up becoming really expensive because you would keep adding things to the "menu".
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Level 6. Master
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