Vicki Chng - Seedly
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Vicki Chng

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Vicki Chng

  • Answers (164)
  • Questions (5)
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SG Budget Babe

Family

How do i know if my husband is spoiling my child?
VC
Vicki Chng
Level 6. Master
Answered on 24 Dec 2019
From what little you've written, it seems to be the case. I think there must be times when he says no to unreasonable demands, even if the child throws a tantrum he must not give in
šŸ‘ 0

MileLion

Miles

Cashback

SG Budget Babe

Citi PremierMiles Visa Card

Citi Cash Back Card

Credit Cards

OCBC 90 Degrees N Credit Card

What would be a good credit card to use at IKEA?
VC
Vicki Chng
Level 6. Master
Answered on 24 Dec 2019
I would say whichever you need to clock minimum spend on! And maybe for miles, the one that gives you highest mod!
šŸ‘ 0

Property

SG Budget Babe

For a couple earning approximately 12k per month (combined), what should be the best housing option?
VC
Vicki Chng
Level 6. Master
Answered on 24 Dec 2019
HDB. you get rebates etc
šŸ‘ 0

Career

SG Budget Babe

Are you able to share a bit more about your career path? Like how much have your salary increased (%) since you started working and have you job hopped already? Any advice for fresh grads?
VC
Vicki Chng
Level 6. Master
Answered on 24 Dec 2019
I'm contemplating a career switch at the moment - my salary hasn't jumped much over the past 3 years and in struggling to see myself in this field for the rest of my life so I feel it's the best time of my life to switch fields, suffer a slight paycut. Advice for fresh grad- go in with your eyes wide open. See what relevant skills you can learn and take to your next job because let's face it - rarely do you stay in the same job for life anymore.
šŸ‘ 0

SG Budget Babe

Credit Cards

Which credit cards do you carry and why? Do you constantly look out for promotions and renew your credit card selections?
VC
Vicki Chng
Level 6. Master
Answered on 24 Dec 2019
I constantly prune the credit cards I hold. Currently they are: OCBC 360 - for my 365 acct Uob one - for my wedding and grabpay SC unlimited- catch all card Citi premier miles- when earning miles makes meow sense than cashback My inactive ones include:. Citi SMRT. I'm still holding on to it as the minimum spend is low and if I cut the 360 I'll need something to replace!
šŸ‘ 0

Stocks Discussion

Investments

SG Budget Babe

How do you convince your close ones the importance of investing for personal finance?
VC
Vicki Chng
Level 6. Master
Answered on 24 Dec 2019
Tell your loved ones that if they do not invest, 1) the value if their savings will be eroded by inflation 2) they may possibly be missing out on gains that can multiply your spare cash. There are so many products on the market now catering to people with different risk appetites
šŸ‘ 0

Lifestyle

Wedding

SG Budget Babe

How did you balance parents' wedding expectations to have your own budget wedding?
VC
Vicki Chng
Level 6. Master
Answered on 24 Dec 2019
My wedding was just over so I can honestly say I livedby the mantra - some things are not worth fighting over. If it's something you can comprise on, just do it because at the end of the day, they're also proud and happy parents and they share your joy as well. If it's something you have very strong ideas about, sit down with your parents, talk about it and come to a compromise.
šŸ‘ 0

Stocks Discussion

SG Budget Babe

Robo-Advisors

Goldman Sachs to launch robo adviser! Yay or Nay?
VC
Vicki Chng
Level 6. Master
Answered on 24 Dec 2019
I would look at its fees, functions and evaluate it alongside the other products on the market. Just because it bears the Goldman Sachs brand name does not mean that it is better
šŸ‘ 0

SG Budget Babe

Savings

I have been working for over a year, what kind of diversification should I park aside when it comes to saving?
VC
Vicki Chng
Level 6. Master
Answered on 24 Dec 2019
A bank acct with high interest! Possibly those that offers high interest if you credit your salary + spend on your cc tied to the same bank that is under your name!
šŸ‘ 0

SG Budget Babe

Family

Travel

Any tips for budget travel with children?
VC
Vicki Chng
Level 6. Master
Answered on 24 Dec 2019
Take advantage of places that has free attractions that you can bring your children to! Carry your own entertainment, food and drinks for those long car/train rides etc.
šŸ‘ 0
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Level 6. Master
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