Anything to support our favourite musicians! 😍 While we should spend and allocate our money wisely, I personally believe that it's okay to splurge on something once in a while! I guess some people even factor a yearly budget for entertainment, whether it's concerts or musicals. At the end of the day, as long as it's within your means and you're not taking money out from your emergency fund just to buy the tickets, etc, I think it's fine!

Can try checking out the shops at Far East Plaza, I sold my iPhone 7 for $320 last year! Mine had a slight chip so the rate might be similar? I can't remember which shop it was though!

Hi Anon! Like Mark mentioned, we'll usually try to cover the cost of our seat. Imagine if everyone gave lesser than the table cost, they'll start off their marriage with a huge bill! If you need a quick reference since it differs by hotels, you can check out Seedly's guide on wedding ang bao rates! Usually, I've got extra consideration too, if they're a really really close friend, I'll try to give a bit more than the usual rate. Say the usual rate is $113, I'll probably round it up to $138 or something? Enjoy the food! :D

Hi anon! If you're applying for a new credit card, you're actually able to obtain a free credit report from Credit Bureau Singapore using your approval (or rejection) letter within 30 calendar days! But that's assuming that you are planning to get a new CC. Otherwise, it seems like HSBC has partnered with CBS as they've got an ongoing promotion until 29 Feb. It seems like all you need to do is provide HSBC with your personal details (incl. mobile number and current debts) to allow them to market their products to you for the next 3 months . According to CBS website, your credit report won't be shared with HSBC. I suppose it depends on whether you're willing to give up your number for a free report :)

Hi anon, While I don't drive and haven't had to make any payment for fuel, I combed through the various fuel companies' websites just a few days ago to compile the various credit card discounts. There was a particular criterion that puzzled me a little (didn't know you could pay at the pump), but it might explain any discrepancy you've experienced? Apparently, the Caltex discounts for HSBC differs depending on whether it's indoors or outdoor payment. So far, this was the only instance I've encountered, not sure if the others are hidden in their T&Cs. Plus, some of the discounts may also specify whether contactless payments are eligible, so it's best to check out the fine prints before you pay even though it's a little troublesome!

Hi Anon! Since you highlighted 'still working', there's technically no limit for your mandatory SA contribution, so they'll still stay there. The current limits in place are for voluntary contributions or RSTU. For RSTU, if you're below 55 years old, you'll only be able to top-up to the current FRS. But if you're above 55 years old, you'll be able to top-up to the current ERS instead. On the other hand, if you're making voluntary contributions, the limit is the CPF Annual Limit, currently at $37,740. Hope this helps!

Hi Anon, You're right to say that it's more beneficial for those who are huge fans of the Lazada! Hopefully, they'll hear our feedback and add in RedMart for the 12X Reward Points since online grocery shopping can make up a big part of a household's expenses. And I've combed through the T&Cs while writing the article on the Citi Lazada card yesterday, you didn't miss anything! It's just not that great...

Hi Teck Lun! Like WenHao mentioned, it really depends on your current situation. Especially how much you currently have in your CPF Special Account and how many more years you have to let it reach the Full Retirement Sum. Since you mentioned SA instead of RA, I'm assuming you're not near 55 yet? Even if you're almost done paying your flat instalments or it's fully paid for, plans might change and you might decide to buy a second BTO or a resale a few years down the road. Which is why I personally feel that you should only transfer from OA to SA if you're very certain that you won't be using the funds in the future since it's a one-way transfer. You can try using this Google Form I've created to project how much your CPF OA and SA will grow before topping up or transferring and decide from there.

Hi anon! I've recently written an article about student credit cards and I found that the CIMB AWSM and Maybank eVibes would have been my top choice if I'm still a student! Both cards offer 1% cashback, which is pretty impressive given that they both don't have any minimum income required! Maybank eVibes seems like the best for general spend since the cashback is eligible for all retail spend, while CIMB AWSM's cashback is only for dining, entertainment, online shopping and telco bills. CIMB AWSM has no annual fee so you won't have to worry about extra expenditure. Maybank eVibes has a $5 quarterly fee, it's free for 2 years and to be honest, really easy to waive since you just have to charge to your card once every quarter. I'm not a big fan of the DBS Live Fresh Visa Student Card since the cashback is only 0.3%. Like Zhe Liang shared, you shouldn't be spending more just to get the cashback or just because you have the credit limit of $500.

Hi anon! You can try using this Google Sheet I've done up when writing the article on hitting FRS. Been using it for myself and my parents too. By default, the spreadsheet assumes a starting salary of $3.5k from age 25 and with a yearly increment of $110. You'll need to adjust the following columns: - Monthly Salary : Input your current salary in the respective year and project your future salary for a rough estimate - HDB Loan Monthly Instalment : While you might not have a current loan, this column takes into consideration future loan payments. Adjust your own figures and see how much you might need to top up to hit FRS. Do note though that this is not 100% accurate, as CPF calculates the interest monthly but tabulates at the end of the year. _