Xinyi Lum - Seedly
Xinyi Lum

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Xinyi Lum

Content Strategist at Seedly

85Upvotes

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Part of Seedly's smart community!

Credentials

Content Strategist at Seedly

Xinyi Lum

Content Strategist at Seedly

85Upvotes
  • Answers (46)
  • Questions (13)
  • Reviews (3)

Revolut

Multi Currency Cards

Xinyi Lum
Xinyi Lum, Content Strategist at Seedly
Level 5. Genius
Updated on 10 Sep 2019
According to TechCrunch, "The company has secured licenses to operate in Singapore and Japan. It now expects to launch its service in Q1 2019." After a year of vague news...sounds like it's really happening!

Loans

Family

General

Xinyi Lum
Xinyi Lum, Content Strategist at Seedly
Level 5. Genius
Updated on 21 Jun 2019
Hey Anon Great question! Must be quite a troubling dillemma and I hope you eventually choose what's best for you. A few things for you to think about: - What stage of your relationship are you in? - Will your turning him down change your relationship? What's the dynamics between the both of you? - Are you already planning for your future? Settling down etc. If yes, this means you can more likely trust him with 16K - How's your personal finance planning as a couple? Are you comfortable having conversations about money?☔️ The part about 'transferring' to his mother or sister got me a bit puzzled, because ultimately you'll still be the one with the money to lose anyway, even if not in name. For formalities' sake and to protect yourself just in case, I'd suggest you make sure all transfers of money be documented properly with labels and make sure things are written down in a traceable manner. Cynical or not, these are the kinds of records you will need in desperate times. 🌚 If I put myself in your shoes, I'd imagine as such - Worst case scenario: You'd be left 16K poorer with a huge imaginary slap in the face and most likely single. Also, if that 16K is/was whatever you had in your bank, then you'd best be prepared to have someone you know you can turn to for money to build yourself back up during the period of absolute broke-ness. (Hello, parents👨 👩 👧) Ideal outcome: Boyfriend fulfils his bond and returns you your money in due time, case closed. All the best! ⚡️

Lifestyle

Career

Xinyi Lum
Xinyi Lum, Content Strategist at Seedly
Level 5. Genius
Updated on 07 Jun 2019
To be honest, a 5 day work week is great to keep a momentum going, so that’s fine with me. But what we could relook is the hours we spend each day at work. Germany’s (constantly coming up tops as the world’s most productive employees) has a weekly average of 34 working hours, and most companies work by clocking in and out, meaning you can tailor the hours each day a little to better suit your physical and mental health. Singapore lies on the other end of the spectrum with about 44 hours of work a week, and we all know work doesn’t end the minute we step out.

Savings

Xinyi Lum
Xinyi Lum, Content Strategist at Seedly
Level 5. Genius
Updated on 07 Jun 2019
I really like this question! I think it goes without saying that spending habits generally increase very very significantly when one graduates from school and transitions into a full working adult. But now that you mention it, I think I tend to spend a lot more at the end of the year. It's also quite a proven trend amongst the Seedly community and my colleagues haha! I believe that this rise in spending is partly due to the festivities, and also the fact that you tell yourself you've worked hard all year and it's time to reward yourself. You reward yourself until the new year comes around then you snap back into it and realise how much money is gone and you try to go back to your frugal ways. I admit, that's me every year! Thankfully, my Seedly expense tracking app reminds me how much money I could have NOT spent instead... I usually spend a couple of minutes at the start of the month listing out what are some major payments/purchases I would have to make for the month and how I can improve from the past month, be it drinking one less cup of coffee a day or choosing a house brand when grocery shopping each week. Some things I won't scrimp and save on la....enjoy life a bit more I guess! :-)

Lifestyle

Xinyi Lum
Xinyi Lum, Content Strategist at Seedly
Level 5. Genius
Updated on 07 Jun 2019
Funny story, I was really sleepy but because I didn't shop on 11.11. So I thought ok, maybe I should be more enthu for BFCM so I carted out some things at midnight while half asleep and only this morning realised what I really bought. Mostly 50% off vitamins and supplements from Blackmores/Sangobion, and some sewing stuff! I also got a pair of X3T wireless earphones at 30% off because I WILL NEVER PAY FOR THE APPLE AIRPODS. Adding more items to cart now!

Savings

Xinyi Lum
Xinyi Lum, Content Strategist at Seedly
Level 5. Genius
Updated on 07 Jun 2019
Interesting question! Not everyone is informed enough to know what to do with their money, hence turn to the next most sensible thing to do which is to save. I think it's especially so for our parents' generation and older to prefer to "see" their money and save cold hard cash. Another reason could also be skepticism on the performance of the economy, so people keep their cash closer and tighter.

General

Xinyi Lum
Xinyi Lum
Level 5. Genius
Updated on 07 Jun 2019
Most important question for today: Do you like your cai tao kueh(carrot cake) BLACK or WHITE!?!?!!?

Savings

Investments

Insurance

General

Xinyi Lum
Xinyi Lum
Level 5. Genius
Updated on 07 Jun 2019
I'm gonna throw this out here. Am I the only one who wants to see AK ASSI on Seedly? This home grown legend: http://singaporeanstocksinvestor.blogspot.com/

Bank Account

Xinyi Lum
Xinyi Lum, Content Strategist at Seedly
Level 5. Genius
Answered on 03 May 2019
Hey! Are you asking with regards to the Seedly expense tracker? As we are a Singapore-centric budgeting app, the currency is in SGD. However! You have the flexibility of keying in transactions in MYR (amongst a list of many other currencies) and have it converted into SGD all within the app to best reflect the total balances :) Hope this helps!

General

Xinyi Lum
Xinyi Lum, Content Strategist at Seedly
Level 5. Genius
Updated on 24 Apr 2019
Have a private golden tap in their office..... ok jokes aside, I know someone who pays in cash when she spends and doesn’t take coins as change(she really says ‘keep the change’) just because her branded wallet doesn’t have a coin compartment. I mean....that’s both extravagant and stupid, yes?
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