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Optimising your daily spending

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Credit Card

Savings

Bank Account

Loans

I honestly doubt there's much loyalty with banks, and that's why they had to create the high interest savings accounts to incentivise people to bank with them. And your choices may differ depending on the kind of banking you want to do with them. If it's just personal banking, choosing a bank with ample ATMs and branches could be a priority. A decent communication channel via their app and ibanking portals would also be helpful. But if you're a business owner or own multiple real estates then choosing a bank with better credit facilities, loan options, SME funding opportunities, would then sway you to choose the banks that focuses more on those aspects. You may also have a personal working relationship with a particular banker that you like and choose to patronise that bank more through that banker. And lastly, if you're a decently wealthy client and have access to privillege or private banking, there's a whole nother choice with different perks, lounges, investment advice and products such as structured notes or bonds or boutique funds that different banks may offer. Overall, you'd most likely bank with a couple or even up to 5 or 6 banks over your lifetime, so you really don't have to worry so much. All of them are regulated by MAS as well.

Lifestyle

Credit Card

Savings

Junus Eu
Junus Eu
Top Contributor

Top Contributor (Aug)

Level 8. Wizard
Answered 1d ago
Breaking things down from now til the end of the year: 1. Savings - $1k to cover 4 months. More information is required here, do you still take allowance from family? If not, $250 a month to cover all your expenses might not be feasible. 2. No time to work: If this is non-negotiable, then income til end of the year = $0. 3. Bursary not given out yet: Cashflow issue, but I think it's good practice to inculcate good saving and investing habits from a young age. 4. Laptop - is a new one really required, and how will you finance it?: Is the need to change the laptop really a need, or more of a want? I agree with Gabriel that it does not make sense to get a loan if you are not able to pay it back. Additionally as an undergrad, I believe you will have access to computer labs etc.

Credit Card

Property

Loans

Kenneth Lou
Kenneth Lou, Co-founder at Seedly

()

Level 8. Wizard
Answered 2d ago
For mortgages I am not entirely sure... But I know for rental or tax that is paid monthly, you can use services like CardUP and IPayMy. These services will charge a fee on top of the amount you pay thus you are actually buying miles or points using those $$$ that you pay.

Credit Card

Nicholas Nbx
Nicholas Nbx

()

Level 2. Rookie
Updated 4w ago
So far I saw YouTrip is specifically excluded from Citibank and UOB card. But it worked for Standard Chartered Unlimited Cashback. I've tried and gotten 1.5% cashback on all my YouTrip top-ups with that card, at least at the of time of this post. Hope it helps!

Credit Card

Shopping

Lifestyle

Do consider the current options here: https://milelion.com/credit-cards/current-credit-card-signup-bonuses/ A number of miles credit cards have decent signup bonuses which will be easily met with your $10K spend. However, do choose your card carefully as the miles earning rate/transfer partner/validity of the miles will vary from card to card. Take some time to do your research.

Bank Account

Credit Card

Kenneth Lou
Kenneth Lou, Co-founder at Seedly

()

Level 8. Wizard
Updated 1d ago
Hi there! We should have all fixed the OCBC issues by now already :) Now you should be able to just re-sync with your new credentials without having the need to delete your old accounts ! If you are having problems still you can reach our support team directly at [email protected] We'll get back to you within 24 hours!

Savings

Credit Card

The MCO crypto debit card gives you 100% back for the Netflix premium, but it's not worth it in my opinion because of the hassle to buy crypto to change into SGD to pay for things. Other than this "hack" which is not desirable to most, but loved by crypto lovers, no other Netflix hacks I can think of. If you have siblings, you can have 1 account and choose multiple screens, then you can split the account to share with your siblings (or close friends). Will be cheaper than having 2 or 3 accounts.

Credit Card

Miles

If you categorize your spend strategically, you can actually up to 4mpd on certain categories. Bonus category spend does accelerate your miles earning and it is one of the fastest ways to build up your balance. Having said that, it doesn't mean that you should spend more just for the purpose of earning miles. We play the miles game so that we don't leave cash on the table, but we play it wisely. FYI I put $500-$700/month on my cards on average a month, which is not a lot (I'm not a spender by nature), but I have a stash of 250K miles due to strategic spending and taking advantage of sign up bonuses and the like over the years. If you don't spend a lot on cards, then probably you'll want a card where miles don't expire.

Lifestyle

Wedding

Credit Card

Kenneth Fong
Kenneth Fong
Top Contributor

Top Contributor (May)

Level 5. Genius
Updated on 07 Jun 2019
A bit late to the game, but for anyone else looking for the best credit card when paying for a wedding banquet, you have a couple of options. First, ask if you can spread the credit card payment for your wedding expense over a few months. If you can, then: 1) For cashback/ rebates - UOB One Card Gives you up to 5% rebate on $2000 per month spent (min 5 purchases) but take note that you have to make payments for 3 months (based on qualifying quarters). If you need to make a lump sum payment eg. a huge deposit on your wedding banquet then: 1) For cashback/rebates - AMEX True Cashback Card You get 1.5% cashback on ALL purchases. Plus they usually have a welcome bonus of eg. 3% Cashback on up to a total of $5,000 spend in your first 6 months. 2) For miles - Citi Premier Miles Visa Card A new signup usually gives something like 30,000 miles if you fulfil a minimum spend ($7,500) within 3 months from date of card approval. I personally used this to finance our tickets for our honeymoon. Here's a good comparison done by Seedly: Save Money On Your Wedding Banquet: Credit Cards You Should be Using!

Miles

Credit Card

Aik Kai
Aik Kai
Top Contributor

Top Contributor (Aug)

Level 5. Genius
Answered 1w ago
Codeshare means 2 airlines sell the seats on a SINGLE plane operated by 1 of them. For example, ANA operates a flight from SIN to Tokyo. But ANA tell SQ, want to codeshare? SQ says yes and that flight is available for sale on both SQ and ANA website. SQ will tell you it is codeshare with ANA when you are booking your flight and the flight is operated by ANA's crew onboard an ANA plane. Does it affect the way you redeem your miles? Yes and No. For No, you redeem using SQ website so it will be based off SQ's award chart so the flight from SIN to Tokyo sets you back 47,000 Krisflyer miles on business class, one-way. For yes, the hard product (service, seat, food etc) is different. SQ business class seat is different from ANA business class seat. Just google the SQ regional business class seat and then google ANA regional business class seat and you can tell the difference. In short, if you redeem a flight that is codeshare and operated by another airline, you might get a seat and services that are inferior to SQ. Hope this helps and PM me if you need a more detailed explanation!
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