Huang Yixuan
Level 5. Genius
‧ 80 upvotes received
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I am a noob at finance stuff
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  • 26

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    Answers (26)

  • 19

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    Questions (19)

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    Reviews (2)

  • 5

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    Topics (5)

  • Asked by Ronald Szie

    Huang Yixuan
    Huang Yixuan, Product Designer at Seedly
    Level 5. Genius
    Answered 1d ago
    Hey! I went to JB about once a month for a while last year. I don't have the exact numbers cause I can't really rmb but it's really cheap! What I did was I got a Digi Prepaid Sim Card (costs about 30-40rm at the shop in city square mall). Then you top up credits into your Sim card from this machine in the store, and use your phone (dial 888 1if i'm not wrong) to purchase data/call time. It costs only 1rm per 100mb of data (for me 100-200mb is defo enough for google maps and google searches for 2 - 3 days), so just buy more using your mobile credits. The Sim itself expires after 3mth of inactivity, so as long as you come back to malaysia within 3 months you can use it. If you run out of credits you can always top up credits into your sim card at the digi store too, I think they have them at all the malls.
  • Asked by Anonymous

    Huang Yixuan
    Huang Yixuan, Product Designer at Seedly
    Level 5. Genius
    Answered 3w ago
    Heyhey! For me, I got a Krisflyer Amex card first, that gives me about 15k sign up bonus with 3k spent in the first 3 months. So total about 18k already. After a few months, I got the Citipremier miles card, because the miles don't expire, and has higher mpd, (1.2mpd compared to AMEX which is 1mpd) Citibank also has a sign up bonus of 23k with 7k of expenditure in 3 months, if you pay the annual fee of ~$200. So now I would have gotten 18k+30k = 48k miles from these two cards alone, and by paying the $200 annual fee. 50k miles get you to south africa and melbourne! So this method is quite worth it imo if you can hit the min spending (:
  • Asked by Anonymous

    Huang Yixuan
    Huang Yixuan, Product Designer at Seedly
    Level 5. Genius
    Answered 3w ago
    Hey there! For sure, managing personal finance is something everyone should be exposed to, no matter your financial status. We are definitely willing to promote our app to underprevileged families, do you have something in mind? If so, do drop us an email at [email protected] Thanks a lot!
  • Asked by Anonymous

    Huang Yixuan
    Huang Yixuan, Product Designer at Seedly
    Level 5. Genius
    Answered on 22 Apr 2019
    Try Citi Premier miles? It has good sign up bonus perks, you can earn 30,000 miles if you spend 7k on the first three months and pay your annual fees! You can check out this question I asked previously about whether it's worth it to spend on the annual fee for the extra miles. https://seedly.sg/questions/should-i-pay-192-annual-fee-for-my-credit-card-to-get-21-000-miles?utmsource=questionshare&utm_medium=internal
  • Asked by Anonymous

    Huang Yixuan
    Huang Yixuan, Industrial Design at National University of Singapore
    Level 5. Genius
    Answered on 22 Apr 2019
    Hey there! The greyed out transactions are basically "ignored" transactions. For example, after you sync your account on Seedly, the expenses of your credit card is tracked, let's say total $1000. When you make payment for that credit card, the transaction of credit card payment shows as an expense of $1000. That would double count your transactions, which would make it inaccurate. Hence when you toggle to "ignore" for the transaction, your total expenses would be accurate.
  • Asked by Anonymous

    Huang Yixuan
    Huang Yixuan, Industrial Design at National University of Singapore
    Level 5. Genius
    Answered on 22 Apr 2019
    When I first started using Apple Pay I was amazed at how seamless it was. That day I forgot to bring my wallet, but I realised I could go about my whole day because I'm able to pay with my phone! Especially with paywave becoming more and more popular, it's super convenient having Apple Pay in your phone. Also, you still get the same perks from the banks using any of your credit cards. It's even more seamless if you have an Apple Watch!
  • Asked by Tiffany Ler

    Huang Yixuan
    Huang Yixuan
    Level 5. Genius
    Answered on 27 Mar 2019
    Hey there! I’m the product designer of Seedly, currently that feature is not available yet, but it’s one of our upcoming feature for sure!
  • Asked by Thaddeus Tan

    Huang Yixuan
    Huang Yixuan
    Level 5. Genius
    Answered on 06 Mar 2019
    There's one line that my mom shared with me that I will always remember, "You earn money to spend it, when you spend you will be motivated to earn more." She taught me that the mindset shouldn't be "save more" but to "earn more". Maybe it's to justify her handbag buying habits but she's an incredible risk taker and entrepreneur. She took a leap of faith and came to Singapore with my father 23 years back with nothing in her bank account. We lived in a rented room in commonwealth at the start, which took up half of my parents' paycheck. But they worked hard (and smart), my mom eventually opened up her own fashion business and was earning even more than my dad. There were many more smart financial moves that my mom made but her mentality was always to take the risk and not be afraid to spend. (My mom got mad at me once in Paris cause she said I was being very controlling with the things she wanted to buy haha) So here's to this wonderful capable lady, who taught me to spend instead of scrimp!
  • Asked by Anonymous

    Huang Yixuan
    Huang Yixuan
    Level 5. Genius
    Answered on 03 Mar 2019
    I think job satisfaction is definitely one of the biggest reason for choosing your job! You will spend most of your time for the next 30-40 years working and to me it’s Super important to love your work. I think you should just go ahead and apply for jobs, no matter what you have more experience than a fresh grad so you don’t have to worry about competition there! All the best and I sincerely hope you’d be able to find a job you love (:
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