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Tiffany SQ

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Tiffany SQ

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Tiffany SQ

16Upvotes
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Lifestyle

Tiffany SQ
Tiffany SQ
Level 3. Wonderkid
Updated on 07 Jun 2019
Hey there.. totally understand ur frustration.. I reckon u still can bounce back up.. but it takes discipline and determination.. I am gonna write a few pointers and hope it helps: 1) Clearing Debt You can try visiting debt management programme to see how can they help u out.. to know what r some of the options u can look into to slowly clear ur debt.. an example of such site will be https://www.ccs.org.sg 2) Knowing what is your strength and skill set Not all jobs require high qualification.. sit and and draft out what kind of skills set u have.. e.g. driving, design, sales, etc.. from there explore the possible jobs opportunities u have.. for example if u have a driving licence and is gd in sales.. U may want to drive Grab and do a sales job at the same time to generate your income 3) You Current Biz Let be pratical.. not all biz r profitable.. U need to measure the time and effort spend on it vs the earnings u will get.. if the biz is only paying u 1.5k per month.. driving full time may let u be better off than that. 4) Consolidating everything Once u have map out all the possible income u can get, start taking action and slowly clear off your debts.. it may take a few years but at least u r doing smt about it.. Hope this helps alittle.. U may also talk to the bank to see how they can help u to refinance ur debts or get a better interest rate too.. All the best 😄

Investments

Tiffany SQ
Tiffany SQ
Level 3. Wonderkid
Updated on 07 Jun 2019
Save and study at the same time.. there r many cheap or free courses by sgx, dbs vickers, maybank kim eng, etc.. u can also start readying some investment books for starters(just Google it and u will have a list).. while learning.. save n plan your finances.. U also need to plan other things like insurance.. learn how to build a finance portfolio.. n most important enter the market correctly so that u will build up ur confidence in investment and not get urself burnt and have the fear of investing after that..

Lifestyle

Family

Tiffany SQ
Tiffany SQ
Level 3. Wonderkid
Answered on 10 Dec 2018
Hi there, 12 is able to understand the family financial situation already. If u cut his pocket money without a reason and he gets angry, I think that outcome will be worst. Proper communication for the kid to understand should be made, rather than keep assuming that he does not understand anything.

Lifestyle

Career

Tiffany SQ
Tiffany SQ
Level 3. Wonderkid
Answered on 07 Dec 2018
There should be a balance in life.. if u r afraid that u may overspend n need to save up for a big ticket item.. try budgeting a budget for your overseas trip that u r comfortable with.. so that u will not spend with guilt n still managed ur finance well.. In addition, I hope u r also making full use of ur savings and not just putting everything into the bank.. In conclusion.. nobody will cry that they did not work enough on their death bed.. but is the memories created that they will miss..

Credit Card

Lifestyle

Tiffany SQ
Tiffany SQ
Level 3. Wonderkid
Answered on 04 Dec 2018
Agree that u can't immediately kick off the habit.. but look on the bright side.. at least u r aware of the problem 😄 I had such exp before of spending too much in my poly days.. but what I did was.. I gave my mum all my credit cards/debit cards n learn how to live on budgeted cash.. until I learnt how to stop spending on uncessary things.. Or u can set a weekly target on how much u can spend weekly.. if u overspend this budget.. next week u will get lesser money until u learn how to control to buy what u need n not want which is the key of what u need to learn..

Career

Tiffany SQ
Tiffany SQ
Level 3. Wonderkid
Answered on 01 Dec 2018
For ur situation, do u understand this colleague well? If u know her well n knows that she is someone who does not take advantage of ppl.. it is probably just a once off situation where she went to the pantry and take some water n just nice bump into someone who just chat with her on smt.. n she can't denied.. In general.. there r all sort of ppl at work.. so u need to judge urself whether is this someone u want to help.. there r ppl who generally takr advantages of others n ppl who dont.. n will help u out when u r in need too.. so it is really for u to judge.. n if u feel uncomfortable in helping someone.. than I would say not to help.. n sometimes we also need to give n take alittle..

Lifestyle

Family

Tiffany SQ
Tiffany SQ
Level 3. Wonderkid
Answered on 26 Nov 2018
If charging him rent, will turn the whole family relationship sour, I reckon you should not charge him. As said, you do not need extra money. In your situation, more like you guys need more communication. Cos sometimes to you it may be uncessary money, but to him he may have a different view. Talk to him, ask him why he does not like your cooking? Or maybe in future, when you cook, you do not need to cook his share. Tell him what you think and both of you guys try to accomodate one another. Your main intention is for him to live on his own(being independent). In another 2 more years, when he gets married, he will have to be independent and the guy that take cares of his family and finances. Real life situations will take a toll on him. You may even long that he comes home to visit you guys.

Career

Tiffany SQ
Tiffany SQ
Level 3. Wonderkid
Updated on 26 Nov 2018
Use your skill future credit ($500) or skillfuture study award($5,000) to study proper coding programs. You can check out many of the tertiary educations in Singapore, as many of them have specialised diploma courses, etc for u to take. From there u will gain networks and slowly switch to other fields once u know this is where u really want to be in :) And is okay.. many ppl do career switch in life too.

Salary

Career

Investments

Tiffany SQ
Tiffany SQ
Level 3. Wonderkid
Updated on 24 Nov 2018
Time for u to learn about finance management.. with no investment knowledge and little savings.. is best for u to evaluate the following too: 1) find a higher bank account with better interest rate. As u need to set a side some emergency funds that is liquid for u to pull out just in case of emergency(e.g. unexpected medical fee, etc) 2) have u bought ur insurance such as hospitalization and critical illness yet? Is best to buy some of this health related insurance.. especially u r a freelancer 3) start learning the basis of investment.. from what is bonds, reits, etf.. etc.. the last thing u want to do is invest in something that u don't know.. or just becos someone recommend u this investment product over the counter.. U can attend some free or cheap lessons offered by sgx, dbs vickers, etc..

Loans

Education

Tiffany SQ
Tiffany SQ
Level 3. Wonderkid
Answered on 19 Nov 2018
Let say it cost $35k for the entire uni fees. And if you take a loan, the interest rate is about 5%. You probably need to consider the following: 1) can this 35k provide you better dividend or investment returns of more than 5%? 2) do you have any other loans/debts to pay off? Or any big ticket items that u foresee u need? 3) if this 35k will only be left in the bank for 0.05% is better to just pay up the uni fees than to get a loan. Hope this helps 😄
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Level 3. Wonderkid
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