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HC Tang

Sharing my experience & learning. Thank you for your sharing and upvote:)

HC Tang

Financial Enthusiast, Budgeting at The Society

About

Sharing my experience & learning. Thank you for your sharing and upvote:)

Credentials

Financial Enthusiast, Budgeting at The Society

HC Tang

Financial Enthusiast, Budgeting at The Society

  • Answers (494)
  • Questions (3)
  • Reviews (27)

Lifestyle

! 2018 started investing journey which I didn't know much or ignore it in the past! Thanks to Seedly, I've learned and grown much more in financial knowledge. I''ve also learned from another profound life speaker that: Instead of focusing of getting rid of the old / wrong habits (because of fear or lack of knowledge or old habits die hard!) , Simply just start on building / cultivating new habits! (It's fresh and new and something new doesn't have baggage dragging down, so it's easy if you don't procrastinate and find execuse for yourself and simply just START Doing it!) This applies the same as investment or anything in life! If we start something new and move, we at least go somewhere! If we don't move and focusing on the old, we aint moving anywhere! Goodbye 2018! Welcome a Better , Brighter and Happier 2019 Everyone! Hahahah! Adios!
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Giveaways

In the News

Lifestyle

Savings

Being Approached by the credit card or insurance agent on the street: "I'm Jobless!" or "I'm a student!" Add: "Hey free to catch-up?" !
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Family

Lifestyle

! $500 MBS Staycation with a Michelin dinner == I Want!!! If someone sponsor! hahahaha! ! $20 Hawker Picnic under The stars with hawker food == I will be kill for this! haha.. ! !
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General

Hello Wen Fong, nice to know you :) haha. Finally you appear more liao :) Tiring day, bad day, good day, ! if have energy and time, go for a walk, around the city, near the river, near the park. ! If have no energy, go home ,bath and rest, have a proper dinner, chill and relax do whatever you like, listen to a happy songs or relax tune, and just chilll or watch netflix or youtube happy clips. Sometimes 1 to 2 hour before sleep, I'll do some reading, something encouraging, or if possible, meditate on what you read, ponder, so that it helps to give our soul some nutricious food. ! I like shopping too, some poeple use shopping as a way to destress, but ultimately even more stress in the long term when bill comes debts accumulated. It's a way to get over unhappy times, until we no longer need to be slave to our work. That's why we all want to be F.I.R.E (and not being fired :P) ! I think whatever works, even if is shopping but with control. Until one day one find a better and less expensive way to destress. Nontheless, as long as it doesn't hurt anyone including own pocket, then it should be fine :) Life is hard, so we play hard. Some work hard, some relax. Balance is the only way to go. :) Chill :) Chill :) Not Chili Chili! :P hahahaha.
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SG Budget Babe

Credit Card

MileLion

Possible to survive without credit card ? Certainly, use Debit card and Cash! :) Or Top up credit card like YouTrip master card/ Revolute card and you can first top up before using them, they it will works like Debit card too! Is it wise ? No. Because with credit card, you just need to : 1) Make sure you keep the $ and repay them fully before or when the bill comes. 2) Spending on Credit card gets cash back or miles get travellers to redeem full or part of the ticket. Unfortunately, cash back dwindle in the last 2 to 3 years, so everyone now mostly focus on miles card. 3) Interested in how to earn cash back or miles ? check out the seedly blog pages in the main website more and this Q&A to learn and ask questions. All the best. Cheers!

Lifestyle

Friend use this New Zealand Lavender Massage oil before and said it's very nice not only because it's lavender but can relax and ease headahe too, helps sleep. Can up your budget a bit and try to bargain with seller: https://sg.carousell.com/p/very-smoothing-new-zealand-wanaka-lavender-massage-oil-50ml-264945442?t-id=15075981575001032782&t-referrerrequestid=Y-HUdQlISPlAXr1

Lifestyle

Comparison

Shopping

Savings

I got a 2nd hand phone from mobile square before. The shop is alright. The handset depends on luck, thus mine wasn't good and i managed to go back and get it for exchange and again with issue and they change it for me again. For new handset, it's reliable. I've seen and had a few friends sold their telco recontract handset to them directly to get fast cash. Those would like to sell for higher price and willing to wait would go sell directly at carousell, which is cheaper than all these shop. They are basically the same as you can request for the telco receipt from seller when transact, that you'll know it's a brand new authentic handset. https://redwhitemobile.com/new-phones/ is another recommended by my Tech friend where you can compare if you only wanna get from these shop. Otherwise, carousell offer the best deal!

Shopping

Lifestyle

NTUC / Cold Storage depends if where they stay have which super market, The cost of diapers and formula is very high on a weekly basis, these supermarket vouchers will comes in most handly.

Credit Card

HC Tang
HC Tang, Financial Enthusiast, Budgeting at The Society
Level 8. Wizard
Answered on 28 Oct 2019
Not necessary, I know a friend who was self-employed (usually hard to get cc) yet OCBC CSO calls him and offer him 2 CC. It really depends.

Shopping

Lifestyle

HC Tang
HC Tang, Financial Enthusiast, Budgeting at The Society
Level 8. Wizard
Updated on 19 Sep 2019
Not necessary spending 1.6k, some stuck with old telco contract plan so slightly cheaper overall vs no contract sim only plan + buy at carousell / retailer at 1.6k or slightly lessor. The main reason: 1. Apple internal doc shows their phone lasts 4 years. My friend had a few models used more than 4 years, or an iPhone 4 still working quite alright now compare to any android phone that is more than 8 years ago. 2. Apple app store has better quality and build, the whole OS is more stable and consistently design, most of all the OS and app store lock user in for its seamless connections for data/information flow among all the apple products. The more that is in the Tech sector in tech design will know: 1. IOS is more secure than Android (not without bugs/loophole). Face ID is way ahead and secure than any Android facial recognitions hardware on the smartphone. 2. Its battery capacity degrades slower after 2 years of use than Android which is about 1 year. 3. Indeed many android manufacturer provides better hardware than Apple, better features. However, Apple is a consistent design from hardware to software, everything control tightlight and works tightly, with it's A series process that is actually 2 to 3 generations ahead of all Android processor, more power-efficient and usage of less RAM (where android always need to bundle now with at least above 4GB RAm to work smoothly while Apple due to better OS memory handlings, requires less than 4GB RAM to work smooths and every generations faster than any similar range Android hardware that has even better hardware). I can go on and on and I'm not Apple fanatics, I have many complains about Apple but in general, Apple still produces a better overall product, for many years since day 1 where they invented touch screen smartphone with app store that actually works for users from 2-year-old kid to 90 years old man. So I guess we're stuck... lol
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