Shirley Ngiam - Seedly
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Shirley Ngiam

A fresh graduate just trying to survive in the adult world.

Shirley Ngiam

About

A fresh graduate just trying to survive in the adult world.

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Shirley Ngiam

  • Answers (6)
  • Questions (0)
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Lifestyle

Savings

SG Budget Babe

Cashback

MileLion

Miles

Credit Cards

Can anyone share their ranking of the top payment methods based off their perks?
Shirley Ngiam
Shirley Ngiam
Level 3. Wonderkid
Answered on 04 Dec 2019
My number one choice will always be fave pay if there is any since my fave is link to my grab pay and my grab is link to my cashback credit card. (tip: when you are out for meal with big group of friends, volunteer to pay first. pretty sure you can earn more points)
ūüĎć 0

SG Budget Babe

Insurance

What should be the first type of insurance to get after you get your first job?
Shirley Ngiam
Shirley Ngiam
Level 3. Wonderkid
Updated on 04 Dec 2019
1. Hospitalisation plan 2. Critical illness 3. Term 4. Personal Accident 5. Saving Plan i think the first four is similar to what the others are saying. For me saving plan is important because I don't have the tedency to save myself and I need someone or someplace that I can save the money at. So I rather have a portion maybe 5% of it somewhere else.
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SG Budget Babe

HDB BTO

Wedding

What's an ideal savings range to hit before key milestones such as buying a house, wedding etc?
Shirley Ngiam
Shirley Ngiam
Level 3. Wonderkid
Answered on 03 Dec 2019
I kind of regret not starting saving since young and only start after I graduate. But I guess even is too late I still have to keep the habit of saving. It is not easy at the start because you of all the debts. Maybe give you and your partner a range (20% of salary) for the first few years. When things get stable and you all start talking about wedding and applying of house. For wedding, depending whether do both of you want it big or small. Set a budget that both of you can agree on and look around for the hotels that you wan. Apply for credit card that could help you in either cashback or miles? For house, since you have cpf to assist you. You will need to have extra cash for renovating and furnitures (can take note for online or I store sales). Again for renovating you might want to look around to see for the best contractor that can give the best contract.
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SG Budget Babe

Career

Fresh Graduates

How much of your salary should you save as a fresh grad?
Shirley Ngiam
Shirley Ngiam
Level 3. Wonderkid
Updated on 03 Dec 2019
Me and my boyfriend both save around 20% of our salary into an account so that at the same time there will be interest growing. I guess is more motivational if there is someone or another half that is doing the same thing with you. However if you are doing it alone, you can set a Budget that you want to hit by the end of the year. Example: 10k before 2020. Divide by 12 months around $833.333. Try to hit that amount every month.
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SG Budget Babe

Family

How much allowance do you guys give your parents monthly?
Shirley Ngiam
Shirley Ngiam
Level 3. Wonderkid
Answered on 03 Dec 2019
Around 10% of my salary. In additionally, I also help to lighten her burden by paying some of the bills at home.
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Miles

Cashback

SG Budget Babe

MileLion

Credit Cards

Should I get a Miles or Cashback card? What are some factors I should be considering?
Shirley Ngiam
Shirley Ngiam
Level 3. Wonderkid
Answered on 03 Dec 2019
I had the same situation. And initially I thought of having both. However it is not recommended as it is better to focus on one. I told my boyfriend that we shouldn't apply the same credit card. Each of us should focus on a different aim. however for a fresh graduate I think is better to have cashback. Because we might not have big tickets to spend on. Best is to look out for those that take insurance as spending or if there is unlimited cashback.
ūüĎć 0
Level 3. Wonderkid
18PointsGoal 40
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