Expenses Tracking - Seedly

Expenses Tracking

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Credit Card

Savings

DBS Altitude Visa Signature Card

DBS

Expenses Tracking

Justin Kieran Ong
Justin Kieran Ong
Level 3. Wonderkid
Answered 2w ago
As a fellow DBS CC user I feel your pain. What I'm currently doing is manually entering into the seedly app as I find it the most convenient (no need to remember and key in at home, can track immediately). I have reduced the SMS alert for my card to anything over a $1 transaction. This way I have a record of most of my CC spend on my SMS to double check. Lastly, I check the ibanking record every week as there are certain transactions that are not SMS to me (like recurring transaction for phone bills)

Expenses Tracking

Seedly

M
Mark
Level 3. Wonderkid
Answered 4w ago
You need to find the exact transaction and edit the amount or toggle "ignore this transaction" (means ignore full amount) Easier way to find is to go to the pie chart, select food and drinks, then look for specific date Or even easier way, just input the reimbursement as income la!

Investments

Lifestyle

CPF

Savings

Expenses Tracking

Family

Retirement

Save 20% of whatever you earn for retirement and 5% of whatever you earn for children's education. You're young enough to start investing more aggressively until you touch your 40s where you want less volatility and then capital preservation in your 50s. Your children would also most likely go to school in 15-20 years time when you're about 50 as well. If you're not familiar with investments, you can choose to hire an Independent Financial advisor like myself to invest on your behalf for a yearly fee. If not, you can DIY and manage your own investments, just make sure to rebalance at least yearly, stay invested, switch your allocation like I mentioned in your 40s and 50s, and invest more after markets go down. All the best!

Expenses Tracking

Lifestyle

Shopping

Family

Savings

Elijah Lee
Elijah Lee
Level 8. Wizard
Updated on 26 Jun 2019
Probably just me, but I actually enjoy spending on stocks and UTs and the like, and so I find them worth my money and time. I have a goal to be financially free the moment I graduated and I have not lost sight of it. (Didn't have a time frame for that though, although things are starting to crystallize now). The adrenaline rush when I get a stock at the price I want or buy into a good UT to average down prices probably is the same as when someone buys a physical item like a bag or a car. Maybe that's why I am in my current job! That aside, your question made think deeper and I would say I do spend on my hobbies as well. Once in a while I also ensure my family and loved ones can have a good meal during occasions like birthdays. Of course I would ensure that I don't break the bank doing so. It's all about budget, planning and control.

Expenses Tracking

Lifestyle

General

Yong Kah Hwee
Yong Kah Hwee
Level 6. Master
Updated on 26 Jun 2019
Maplestory prepaid cards. Literally starved myself during secondary school and bought thousands of dollars worth of maplestory prepaid cards throughout the 4 years :(

AMA SG Young Investment

Expenses Tracking

Savings

Fresh Graduates

General

Kok Koon
Kok Koon
Level 5. Genius
Updated on 07 Jun 2019
At 26, I didn't have a choice. I gave up a lucrative career in finance/audit to run my own business. So with that mind, I benchmark my peers who are climbing the corporate ladder. Then, my calculation was using the median income of my friends at $X,000. I would need $X,000 x 12 months ( + 2 months bonus) x 1.17 (additional 17% in CPF from employer) x 1.2 ( 20% Risk premium for selfemployment) to make sense for me to stay in business. Otherwise, I should go back to my corporate career. Now I can't turn back. Did I shortchange myself? Perhaps at the initial 2-3 years, but I still went for my holidays (regional to start with), invest in $4,000 courses to master business skills and bring my mom overseas every single year. At 34 this year, 10 years since I graduated, my newly wedded wife and I both hit FRS, maxed MA and have a decent warchest ready for equity investments. I'm nowhere near FI but with the exact same planning - savings and low consumption, I'm on track. If the economy tanks today, my home (bought cheaply) can be paid for with CPF OA for the next 10 years. We can choose to travel on the cheap when there's blood on the streets, all because of savings. #genxyolo -- I'm sharing with you this because I graduated in the ashes of 2008 financial crisis and have made several boo-boos in investments along the way, loosing tens of thousands. The biggest saving grace is that in the midst of it all, high savings help corrected all the mistakes I've made and give me the bullets I need that will propel me to FI when the next financial crisis come. If I chose to consume inordinately, I won't be able to sleep with a peace of mind as my responsibility as a family man grow bigger. Nothing is forever, esp good jobs and good economy. So a good savings habit keeps you dry on rainy days. You also don't need to suffer for FI. Just live below your means.

Credit Card

General

Lifestyle

Expenses Tracking

Heng Kai Le
Heng Kai Le, Mondomover at School Of Life
Level 4. Prodigy
Updated on 08 Jun 2019
If for some reason you don’t wish to sync your card to the Seedly app, your monthly credit card bill will show how much money you spent on transport, no?

Savings

Expenses Tracking

Investments

General

Kdz
Kdz
Level 3. Wonderkid
Updated on 07 Jun 2019
Hi Kenneth, This is an interesting idea. Having ocassional interactions with them, I feel there may be a need. Here are my 2 cents. For a start consider a pilot run just for persons with physical disabilities, largely independent and working (I do see a handful of them commuting to work during rush hours). For individuals with intellectual disability we may consider afterwards. Possible topics: 1) Raising awareness and understanding on available aids: - Transport shuttles or cab cards-not just calling a cab every time, - Medical subsidy eligibility (eg. 100% vs 30% subsidies), - What does means testing means (eg. why are they not eligible for subsidised motorised mobility aid or home modification etc.), - Food delivery service comparison (Tingkat etc.) 2) Finance topic: - Same financial topics eg. Insurance, CPF top up, SSB, same as the rest of us (what do we want to know if we are/become disable and still earning) + car park label scheme or train discount before 7:45am - They may need a bit more emphasis on empowerment. Engagement: - Companies hiring PWD. - Community centres. - Inviting prominent individual to share their financial managment and how they prepare for future complication/ deterioration/ condition progression eg. Jason Chee or Yip Pin Xiu on Seedly TV? - Liaise with association eg: https://www.dpa.org.sg/about-us/our-mission-objectives/ Mode of delivery: - Audio + visual (ppt./video) + subtitles +/- hand sign interpreter for Q&A? - Short braille pamphlets (now thinking about it. side track: cash has braille how about e-payment, ibanking) - If older adults in CC, dialect speakers (hokkien, boyanese etc.). Moving forward: - Talk to social workers who interact with PWD. - Apply bigger grants to conduct sessions (home visits) for families of intellectual disability individual. - Can be part of Seedly’s giving back to the community initiative, in the future. Honestly it may be challenging but it’s worth A try then see how. Hope this helps. BW.

Expenses Tracking

Insurance

General

It varies from person to person. I advise my client to place Insurance meant for coverage under expenses While Endowments or Investment plans can be under the respective categories accordingly

CIMB

Expenses Tracking

Thaddeus Tan
Thaddeus Tan, Community Lead at Seedly
Level 6. Master
Answered on 01 May 2019
Hi there, would appreciate if you could contact [email protected] for your issues. Thank you!
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