Michelle Goh - Seedly
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Michelle Goh

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Michelle Goh

  • Answers (4)
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SG Budget Babe

HDB BTO

Loans

Should I get a HDB or bank loan for my bto?
MG
Michelle Goh
Level 3. Wonderkid
Answered on 23 Dec 2019
HDB because you can change to bank loan anytime. Initially HDB loan also requires you to pay a lower downpayment.
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SG Budget Babe

Lifestyle

Savings

Multi Currency Cards

Travel

YouTrip

TransferWise

Revolut

Youtrip or transfer wise or revolut?
MG
Michelle Goh
Level 3. Wonderkid
Answered on 23 Dec 2019
I have been using Youtrip all the time. I have heard that Revolut is quite competitive but I still have some credits in Youtrip. Might consider after!
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General

Lifestyle

Savings

Property

Family

SG Budget Babe

What air conditioners or air conditioner brands do you recommend or not recommend?
MG
Michelle Goh
Level 3. Wonderkid
Answered on 23 Dec 2019
I have been using Mitsubishi for many years and it has proved to be super durable!
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SG Budget Babe

MileLion

Credit Cards

Is it wise/possible to survive without a credit card once you start working?
MG
Michelle Goh
Level 3. Wonderkid
Answered on 04 Dec 2019
Yeah of course you can! However, credit cards do give you some perks which normal debit card doesn't. There are a lot of rebate/promotions ongoing for different cards. The only thing you have to be careful is to only spend when you need to spend - and pay your bills ON TIME. You don't wanna pay just the minimum, and get charged a 20%/annum fee.. So as long as you are prudent about your spending, I would say it's the way to go :)
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Level 3. Wonderkid
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