Yanisa Koh - Seedly
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Yanisa Koh

A normal Singaporean girl, and a new mum

Yanisa Koh

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A normal Singaporean girl, and a new mum

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Yanisa Koh

  • Answers (135)
  • Questions (1)
  • Reviews (5)

Lifestyle

Family

Retirement

SG Budget Babe

Insurance

What is the best way to give fiscally irresponsible parents allowance?
Yanisa Koh
Yanisa Koh
Level 6. Master
Answered on 24 Dec 2019
At this age, its not going to be financially wise to buy insurance. You could help them by understanding their spending and seeing which areas they can save on. Start them with a savings plan for the future, and consider topping up their cpf for tax relief and for them to use after they retire as well.
šŸ‘ 1

SG Budget Babe

Savings

UOB One Account

Savings Accounts

Which bank account will you recommend with good interest rates?
Yanisa Koh
Yanisa Koh
Level 6. Master
Answered on 24 Dec 2019
This depends on what you plan to do with the money and how long you want to keep it for? If there are no big ticket items coming up soon and you don't need the money urgently you can consider investing the money or ssb to start growing your nest egg.
šŸ‘ 1

SG Budget Babe

GrabPay Card

Grab

MileLion

UOB One Card

HSBC Advance Credit Card

UOB One Account

Credit Cards

Maximising Grabpay & GrabPay Mastercard using credit cards?
Yanisa Koh
Yanisa Koh
Level 6. Master
Answered on 24 Dec 2019
1) I managed to get cashback for grabpay top up. 2) Yes, most hotels allow giro cc payment.
šŸ‘ 0

Loans

OCBC

POSB

Education

SG Budget Babe

Education loan (overseas), 60k. Possible to take a personal loan instead?
Yanisa Koh
Yanisa Koh
Level 6. Master
Answered on 24 Dec 2019
Hi, I believe study loan rates are better than personal loans from the bank.
šŸ‘ 0

SG Budget Babe

Family

How do you strike a balance between buying things your parents ask for and your own savings and goals?
Yanisa Koh
Yanisa Koh
Level 6. Master
Answered on 24 Dec 2019
Hi Anon, I think the only way to protect yourself would be to say no to your dad if the request is too much for your budget. As your father, I hope he would understand if you explain nicely about how difficult it is going to be for you to save up for important life purchases. Try to find a balance between being filial and taking care of yourself and your future.
šŸ‘ 1

General

Investments

SG Budget Babe

At what age do you foresee yourself achieving financial freedom? What are some obstacles that you foresee may disrupt your plans to reach that milestone?
Yanisa Koh
Yanisa Koh
Level 6. Master
Answered on 24 Dec 2019
I aim to reach financial freedom before I turn 60. I hope to get consistent income streams that will be able to sustain myself in retirement. Some obstacles that I foresee might be health or other unforeseen issues that will impact my ability to work or find a job.
šŸ‘ 1

Cashback

Rebates

SG Budget Babe

Undergraduate

Credit Cards

I'm thinking of getting a credit card as a student, what are my options?
Yanisa Koh
Yanisa Koh
Level 6. Master
Answered on 24 Dec 2019
Definitely pick the Maybank eVibes so that you don't need to think too much about spending categories and hitting a minimum.
šŸ‘ 0

Investments

Lifestyle

Savings

DBS

Stocks Discussion

SG Budget Babe

How does the DBS vicker young investor account work? Any saving tips?
Yanisa Koh
Yanisa Koh
Level 6. Master
Answered on 24 Dec 2019
The DBS Vickers Young Investors program is for people 18 to 20 years old, and has lower commission. I would recommend you to look for an alternative monthly investing account instead, which has a pretty low minimum amount per month.
šŸ‘ 0

MileLion

Cashback

SG Budget Babe

Credit Cards

How can I start accumulating miles if I'm a uni student with no income.. Any cards allow me to do so?
Yanisa Koh
Yanisa Koh
Level 6. Master
Answered on 24 Dec 2019
Hi, I would recommend you to go for cashback, especially if you're not going to be spending a big sum. This would definitely give you easier and faster returns.
šŸ‘ 0

SG Budget Babe

Investments

Loans

Education

Personal Finance 101

Savings

How should I handle my finances(50-30-20 rule) esp when I would have school fees coming up when I start school next year?
Yanisa Koh
Yanisa Koh
Level 6. Master
Answered on 24 Dec 2019
Hi, glad that you are thinking about saving money at your age. With the school fees, it's going to be difficult to really stick to the 50-30-20 rule, and you don't have to. For now, focus on saving up for the school fees. Calculate how much the fees would be, and whether you will still be working part time after you start school. Try to spend prudently and save the rest.
šŸ‘ 0
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