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Lifestyle

Save time. Spend smarter.

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Lifestyle

Bank Account

Family

Hi Ann, sorry to hear about that. I'd first try to see if you can qualify for any form of government assistance. You can approach a social worker to describe your situation. I'm also unsure on how bad is your disability but if you're able, youmay want to try food delivery as a means of employment. You can also participate in market research in the form of online surveys and focus group discussions. For your hobby work, start an instagram or a pinterest account and start creating an offer and marketing to friends and family and work on a referrals basis. It doesn't have to cost you any money working out of these platforms. It would be hard to truly dissect pennies so working on adding even a few hundred a month from part time work, financial assistance, or side hustles as mentioned could maybe help things out. Since you're already giving plasma, maybe there could be other areas you could lend your body for medical research? I really hope you get through this Ann. All the best.

Lifestyle

Savings

Payments

Hi JY, I do good old excel, with data running back 10 years that I can analyze. But that's because I started doing this before the widespread age of smartphones. But if you're searching for an app, try the ones in the link here: https://www.shopback.sg/blog/best-expense-tracker-app

YouTrip

Revolut

Credit Card

Grab

Multi Currency Cards

Lifestyle

John Goh
John Goh
Level 2. Rookie
Answered 2d ago
This doesn't work anymore. as of 17th Jan 2020

Property

Lifestyle

J
JY
Level 4. Prodigy
Answered 19h ago
Not really sure what's meant by group buy, but if you are refeerring to buy more for a cheaper price, you can get a better price. Do know of some who got their furniture from Taobao and was able to negotiate with the sellers for a cheaper price.

Investments

Savings

Bank Account

Payments

Lifestyle

DBS Multiplier

SCB Jumpstart

SW
Shaun Wq Lim
Level 6. Master
Answered 1d ago
Please be aware that there are some changes to the DBS Multiplier account from 1 Feb 2020. Salary and dividend credit will be grouped under income category. And cap of $25000 for salary + 1 other category interest rate. Something you may want to think about after the 12 months recognition for the investment RSP ends.

Lifestyle

General

Handicrafts! The only expensive thing involved is time. However, the creative aspect is priceless. Here is everything about me and what I do best.

Career

Lifestyle

SG Budget Babe

Wallace Chai
Wallace Chai
Top Contributor

Top Contributor (Dec)

Level 9. God of Wisdom
Answered on 17 Dec 2019
Hi, If you think you really cannot function and felt miserable, i think it is best for you to look for alternative job. If not, you will be dragging yourself to work everyday and no motivation at all. When look for others job, can always go to glassdoor to read some reviews on the company culture. All the best for you!

FIRE Movement

Investments

Property

Lifestyle

Retirement

Career

Savings

Entrepreneurship

Hey! Education is the best investment, especially if you're starting late. There's tons of FIRE blogs are there, but if you're like most heartlanders in Singapore, with at least a 30 minute commute in the morning, i would suggest downloading the app Libby, where you can borrow ebooks from the National Library very user-friendly interface (wayyy better than the previous method of using Overdrive). My top recommendation is the following book available as an ebook via Libby Financial Freedom: A Proven Path To All The Money You Will Ever Need by Grant Sabatier. My personal review is that this book covers 95% of everything you need, including how to ask for a raise, how to start a side hustle, how to invest etc. If you need a great starting point, i think this is it. This was written by the blogger of millenialmoney.com and he also has a fairly informative podcast. Go check those out as well. I guess i will end with: for almost anything, the best time to start was yesterday. But the next best time is today. And you dont have to start perfect, or start 100%, you just have to start. And i think the above book will give you more than sufficient strategies/tactics to get started in 90% the right direction. Best of your luck.

Lifestyle

Savings

Bank Account

Payments

Hi anon, You can get new or 'almost new' notes from most banks. It's probably the queue that turns most people off. I believe that is really the only way of assuring yourself of a new or almost new note. Short of that, try the ATMs. I just drew some cash and it came out with the crisp feeling of a brand new note. I was surprised, and certainly not expecting it. Note that you should just withdraw cash as part of a need to, and not go around testing ATMs till you find one loaded with new notes!

Bank Account

Savings

Lifestyle

OCBC

Yes, you are able to call the bank's hotline to make the request. However, a fee may be chargeable. Here is everything about me and what I do best.
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