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Eveline Lau

Eveline Lau

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Eveline Lau

  • Answers (128)
  • Questions (0)
  • Reviews (8)

Savings

Family

Lifestyle

General

SG Budget Babe

This question is for parents. Do you plan to receive monthly allowance from your kids when they start work? Or will this practice become increasingly uncommon?
Eveline Lau
Eveline Lau
Level 6. Master
Answered on 23 Dec 2019
I intend to receive money from my children. The amount will be highly dependent on my financial+health state at that point of time but even if I'm affluent at that point of time, I still intend to receive a "token sum" from my children as a way to teach them the idea of being responsible for your parents and be less selfish, care about the people whom you should care for. I can't explain this very well but I've seen many caucasians who don't seem to care much for their parents because they've grown up with an individualistic mindset that whatever they earn is their entitlement for 100% keeping and nobody, literally nobody, should get even a cent from them. If receiving some money from my children can steer them away from that kind of extreme mindset, I would do that _<
šŸ‘ 0

Grab

MileLion

SG Budget Babe

Cashback

Miles

GrabPay Card

UOB One Card

UOB

Credit Cards

Best cashback/miles cards for grab top-ups AFTER UOB One has been maximized?
Eveline Lau
Eveline Lau
Level 6. Master
Answered on 23 Dec 2019
None for cashback cards; I believe all cards have excluded Grab top-ups as eligible transaction, at most they accept ride transactions :(
šŸ‘ 0

SG Budget Babe

Singapore Saving Bonds (SSB)

For bank accounts with no salary crediting, which one would give the best interest for e.g. 30k funds? Or would it be better to put it in a FD or SSB as the funds are not ended urgently?
Eveline Lau
Eveline Lau
Level 6. Master
Answered on 23 Dec 2019
UOB One, if you can fulfill min. $500 spending + 3 GIRO. Followed by FDs and SSB, followed by CIMB Fastsaver. If you're less than 26 years old, you may also want to consider SCB Jumpstart.
šŸ‘ 0

MileLion

SG Budget Babe

Cashback

Miles

Credit Cards

What does it mean when a card's TNCs block PayPal?
Eveline Lau
Eveline Lau
Level 6. Master
Answered on 23 Dec 2019
Yes, it means that you cannot earn miles/cashback when you pay through PayPal because your bank will not consider it as an eligible transaction for the rewards.
šŸ‘ 0

Career

SG Budget Babe

How do i cope with stress at work?
Eveline Lau
Eveline Lau
Level 6. Master
Answered on 23 Dec 2019
Hi Anon, recently I went to see a doctor for some seemingly-not-related-to-stress problems but was told that I'm under too much stress from work and hence my health is giving off tonnes of signals. The following were the advice from the doctor, I hope it will help you too. 1. Learn how to compartmentalise your life. Work stays in the office. The moment you step out of the office, don't think about it. The stress can affect your appetite, sleep, functioning of your organs so don't let work constantly occupy your mind. 2. Exercise Make time for exercise. It is a way to prioritise yourself and you should prioritise yourself. 3. Decide between "Live to Work" or "Work to Live" This clears your mind and sets goal. With a goal and the motivation, you'll be able to sieve out the unnecessary stress. 4. Managing expectations Do not impose your expectations of yourself on others because they may not have the same ambition. Likewise, do not allow others to impose their expectations on you. Learn to filter them out. The following are my advices to you: 1. Learn to say no. Know what's your limit (in terms of workload) and learn to say no for tasks with unreasonable/impossible deadlines or beyond your workload. There is a limit to how capable you are, how many hours you can pour in. 2. Don't limit yourself to a timeline. Why set yourself a timeline of 2 years, if the place is not working out? Ideally, you stay on for 2 years. But if you're overworked because your bosses refuse to hire more people, it's a clear sign that your bosses do not value their staff and do not care much for their well-being. You deserve better.
šŸ‘ 0

SG Budget Babe

Grab

UOB One Account

Credit Cards

With regards to the UOB One X grabpay promo, is there an expiry date anywhere?
Eveline Lau
Eveline Lau
Level 6. Master
Answered on 23 Dec 2019
Currently a permanent fixture but the bank has all the rights to change TnC anytime so how long is this "permanent", nobody knows. Enjoy it while it last but be wary about storing large amount of money in GrabPay.
šŸ‘ 0

General

Lifestyle

Savings

Property

Family

SG Budget Babe

What air conditioners or air conditioner brands do you recommend or not recommend?
Eveline Lau
Eveline Lau
Level 6. Master
Answered on 23 Dec 2019
My family uses Daikin! We are heavy AC users (thanks to poor ventilation design from the building developer) and Daikin has never given us much problems. We even do our own cleaning and servicing so it's really easy maintenance!
šŸ‘ 0

SG Budget Babe

MileLion

Lifestyle

Family

Cashback

Miles

Grab

GrabPay Card

Now that GrabPay and GPMC is not allowed on AXS, what other hacks can be used to pay SP Services, electricity, insurance premiums on AXS app (or AXS stations)?
Eveline Lau
Eveline Lau
Level 6. Master
Answered on 23 Dec 2019
Maybe pay direct to the merchants using GPMC?
šŸ‘ 0

MileLion

Miles

Citi Rewards Credit Card

SG Budget Babe

Lifestyle

KrisFlyer

I'm really confused as to how KrisFlyer Miles and normal Miles work?
Eveline Lau
Eveline Lau
Level 6. Master
Answered on 20 Dec 2019
The reward points for Citibank Rewards card expire in 5 years so check whether they are expiring yet; if they're not, hold them until they're expiring then convert to travel miles? Because once they're converted to travel miles (in this case, Krisflyer), they expire in 3 years. I believe the current rate now is 5 reward points = 2 miles, meaning your 49k points is equivalent to 19,600 miles. That should be sufficient for you to exchange for economy saver return tickets to Bali and similar distances. After which you should really reassess whether your spending and your needs align with miles or not. If you want something more fuss-free, cashback credit cards may work better for you.
šŸ‘ 2

Lifestyle

Shopping

SG Budget Babe

Where do you go for your research on mattress and any recommended physical shop/online website to purchase them from?
Eveline Lau
Eveline Lau
Level 6. Master
Answered on 20 Dec 2019
Personally King Koil has worked well for me so I could try them out at Courts, Harvey Norman and Robinsons!
šŸ‘ 1
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Level 6. Master
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