In short, it should be: Savings = 20% Expenses = 50% Investment = 30% Find out more here: https://blog.seedly.sg/read-me-first-your-personal-finance-journey-starts-with-this-article/

Why only banks ? Take a look at this seedly writeup to find out more before you decide, there are more choices. https://blog.seedly.sg/the-ultimate-cheatsheet-cheapest-stock-brokerage-in-singapore/ Review of all the brokerage account by existing customer: https://seedly.sg/reviews/online-brokerages

In short they are regulated by MAS, you can check each P2P company website for more information. Here's an example of Funding Societies R&R: https://fundingsocieties.com/risk-disclosure Your funds are stored in Escrow accounts (not related to the p2p company), so in the event of the P2P company goes bankrupt, your $ is still there. eg: https://blog.fundingsocieties.com/investments/what-is-an-escrow/ As it is also consder as high risk investment, do read about some questions and answer here on the loan default situations: https://seedly.sg/questions/what-happens-when-a-p2p-borrower-defaults-payment-goes-bankrupt-asking-from-a-p2p-lending-investor-pov More Q&A here: https://help.fundingsocieties.com/?utmsource=mainsitesg&utmmedium=footer Seedly sharing about p2p: https://blog.seedly.sg/p2p-comparison/ Existing independent Customer review of each company: https://seedly.sg/reviews/p2p-lending https://blog.seedly.sg/p2p-lending-review-takeaways-after-6-months/ and the latest review (still consolidating) here: https://seedly.sg/questions/share-your-p2p-lending-platform-funding-societies-coassets-moolahsense-capital-match-minterest-seedin-returns-and-performance-so-far

The answer you're looking for is here: https://www.99.co/blog/singapore/singaporeans-marrying-foreigners-home-ownership/

Only a short period they have some promo. Now they don't have any gifts or deal with referral. Maybe wait for some times then when it comes out you can PM me for the referral links / code.

Comparing cost to data, Gomo seems better deal. The only thing we won't know yet is how's the network coverage and connections speed. Hope it doesn't sucks like TPG (all underground area no data!)

I do this every 2 years as I was with m1 contract. This table below will helps you to see clearer: In short, adding the monthly subscriptions cost, Caller ID (Hidden charges!) and the cost of acquiring handset, it is cheaper to recontract mySim only plan and get the handset from open market such as carousell as others might get it there and not wanting to use it, thus selling cheaper! The reality is that, for Telco to subsidies the the handset cheaper, they basically just transfer the cost of handset to consumer in the monthly charges and hidden cost. It's all a maths game! Anyway, doesn't necessarity only M1 offer the best deal. Do consider other options such as Singtel Gomo and Circle Life sim only plan and get handset from Carousell. It will be even cheaper with more data! Cheers!

Updated April 2019: 10.86% annualized performance. No default at all out of 121 loans. So far so good 👍 More detail review at: https://seedly.sg/reviews/p2p-lending/funding-societies?rid=12

Singapore educational level is high and the syllabum is not easy, MOE kept putting harder stuff and expect P3 to do P5 stuff. So if your kid had difficulties keeping up, may need to consider getting some help. Seedly has a perfect post for this: https://blog.seedly.sg/tuition-rate-compilation-how-much-it-cost/ More here : http://singaporeschild.com.sg/heres-the-average-cost-of-tuition-in-singapore/ and https://www.singsaver.com.sg/blog/tuition-centres-vs-private-tutors-in-singapore-costs All the best and remmeber don't over do it, balance is key as kids is still kid and childhood and play also makes it part of them when they grow up too. Happy Parenting! :)