Hi No worries, Everyone start somewhere somehow, never too early or late. At least started now. Suggest you can read up in Seedly home page, under Content for Fresh Grad since your situation is smilar to that. https://blog.seedly.sg/ultimate-personal-finance-compilation-of-articles-for-fresh-graduates-first-job#first-salary Where the 30/50/20 allocations with your salary. ! So 3k salary less Employee CPF contribution 20% gets you $2400 take home pay. Where : (A) 30% to Savings = $720 1. Suggest keep $500 for emergency funds 2. $100 to $150 for Hospitalization & Surgery, then if you have extra, go for Term Insurance (Ref: https://blog.seedly.sg/working-adults-key-insurance-policies-singapore and https://blog.seedly.sg/working-adults-4-frequently-asked-insurance-questions/ . Where you can consider either MoneyOwl(formerly known as DIY insurances) to get only what you need without overpaying/buying) 3. $70 to $120 for savings future study / upgrading of practical / useful certification courses, make use of SkillFuture $500 credits etc to increase your ability to earn more in the future) (B) 50% to Expenses = $1200 1. Meals around $300 ~$400 (hawker food only or self prep, occassion share restraunt meals with friends / colleagues, Go dutch always). 2. Transport less than $100 (Take Bus & MRT only) 3. Mobile about $30 (Use Sim only Plan to keep cost low) 4. Basic entertainment $50 (Movies once a month on weekday night cheaper, find those 1 for 1 deals via credit cards / specific telco) etc. Find other free entertaiment for single or couple such as: https://blog.seedly.sg/category/entertainment 5. Give to parents / rentals : Around 20% to 30% depends on your family financials and parents 6. $30k Uni Loan - All other balances to quickly clear this. If Item 5 don't need, then allocate to this area to clear it ASAP. (C) 20% to Wealth via Investment: It's great that you've learn like a sponge and readup more , do start from the main articles: https://blog.seedly.sg/ultimate-personal-finance-compilation-of-articles-for-fresh-graduates-first-job#first-salary Read up more in Seedly and related / recoomended Financial Bloggers post, if current saving a/c is not the best, find another better one thru research. Own due diligence and hardwork is always required :) There's a lot of options and myself learning still, thus go read up the articles, read up the answer in Seedly Ask community, read up the Products page for user review before trying anything. Most of all, get feet wet, try out as you learn more with practical experience , understanding 40% to 70% of each product / topic is sufficient to hands on and try out. The worst is only someone who never do anything about it and let life / dreams passed by! All the best! Cheers!

Most of the time those interest free installment will not entitle to cashback / miles / points. Eg. UOB One card T&C at: https://www.uob.com.sg/assets/pdfs/onecardfulltnc.pdf Point 5 as attched: ! Point 5(e) statest that 0% / interest free installment plan will not qualify for cash rebates. So best is Save the full sum and pay one short before buying to reap the full cc benefits.