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Lifestyle

Shopping

Yong Kah Hwee
Yong Kah Hwee,
Level 6. Master
Answered 8h ago
Maplestory prepaid cards. Literally starved myself during secondary school and bought thousands of dollars worth of maplestory prepaid cards throughout the 4 years :(

Investments

Savings

Lifestyle

Vivien Lee Feng
Vivien Lee Feng,
Level 4. Prodigy
Answered 2w ago
- sacrifice grab ($20) and go for public transport ($2) - sacrifice atas coffee like starbucks (easily $5) nd go for kopitiam coffee ($1) - sacrifice movie ($12/ movie) and go for netflix ($7/ mth if shared between 2 person)

Investments

Lifestyle

Tee-Ming Chew
Tee-Ming Chew, Co-founder at Seedly
Level 6. Master
Updated 15h ago
Hey Gabriel, we are usually quite low profile when it comes to announcing what's next for the product. The reason is because we don't want to overpromise our users with new features. But rest assured we do keep our top contributors (like yourself) notified about upcoming features in a private setting. So do look forward as I will drop you a message soon! :)

Savings

Lifestyle

General

If you want to supercharge your savings, perhaps your food and entertainment can cut down. Simple example calculation here: Lunch $5 + Dinner $5 =$10 a day. 30 Days, $300. Why didn't count breakfast? Buy a loaf of bread + butter or peanut butter, even nutella also can. 1 Week 1 loaf of bread = about $2 a week. You need some entertainment, maybe a movie a week $10. Restaurant don't eat so expensive, can go those $20-30 range. I think you can cut down your $800 food/entertainment as a single. No starbucks, no bubble teas :)

Wedding

Lifestyle

Quality vs quantity, start with the guest list and make sure of the guests invited are likely to support and attend your wedding event. Next, make some compromises for wedding planning such as photoshoots and wedding photographer coverage. If Budget is out for videography, replace with a photo montage or DIY video, creativity plays a part here for cost effectiveness. Note : Please do not be overly tight on budget and kill off the whole wedding planning, wedding is an once-in-a-lifetime experience, so some costs will become sunken costs.

Career

Family

Lifestyle

I'll spend 10 to 20% upgrading myself to earn more in the future. I'll probably use 5% to pamper myself if there's some place i really wanna go or something I really want. Balance save it for current or future investment. There are too many ways to spend $ but limited ways to invest good for future. Best to delay gratification than regret later.

Savings

Lifestyle

Bank Account

I would say either of the following. 1. CIMB FastSaver (1% interest for standalone accounts of parents) 2. Leverage on high interest savings accounts of the working siblings, where the first $75,000 (DBS Multiplier), $35,000 (OCBC 360, basic higher tier interest), earns potentially 1.55% (DBS Multiplier) and 1.25% (OCBC 360). This can be done with Salary crediting and minimal credit card spending ($1 on DBS Cards with DBS Multiplier account). Parent can be paid with the extra interest amount from this account, on top of the monthly allowance of $1,400. Note : A fixed sum of $10,000 has to be placed in these higher interest rate savings account, in order for the interest rate to work effectively.

Lifestyle

Thaddeus Tan
Thaddeus Tan,
Level 5. Genius
Updated 1d ago
Hi Gabriel, thanks for the concern. As you might have already known, we have made some changes to Seedly web. As a result, the team is still trying their best to make sure everything goes well for our users. We really appreciate the feedback, do let us know if there is anything, thank you!

Lifestyle

Savings

I’ll try to limit myself to 3 Grab rides for going to work in a week, cutting down to just 1 (purely indulgence for waking up later than usual then GrabHitch to workplace). If this fails, top up a fixed amount (ie. $30 - $50 per month, then use accordingly for Grab rides. Empty GrabPay wallet means no Grab for the rest of the current month). Takes discipline to do this method though.

Electricity Market

Lifestyle

Tee-Ming Chew
Tee-Ming Chew, Co-founder at Seedly
Level 6. Master
Updated 1d ago
I think one way to reduce your electricity bill is to switch to energy efficient applicances (e.g changing to LED lights). I personally witness a 50% cut on our electricity bills just by switching to the energy efficient applicances. However, do note that your initial switching cost will be very high (energy efficient applicances don't come cheap)!
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