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Junus Eu
Junus Eu
Level 8. Wizard
Answered 13h ago
I draw the line very clearly - I don't support on them because there is just no way to verify that the proceeds are going to the causes you think it is going to, especially when they are approaching you on the street. I did speak to one of them once, and my take-away is that a minority of what you pay actually goes to the charity. Most of it goes to them as 'salary'. If looking to donate to a cause you feel passionate for, go directly.

Bank Account

Credit Card

Shopping

Lifestyle

Tee-Ming Chew
Tee-Ming Chew, Co-founder at Seedly
Level 6. Master
Updated 1d ago
This question has been asked before and is definitely not new. This is why the Seedly team has built a quick and easy tool to help you determine which savings account is best for you. Do checkout our Savings Account Calculator! https://seedly.sg/tools/savings-account-calculator

Marriage

Wedding

Lifestyle

Shopping

Junus Eu
Junus Eu
Level 8. Wizard
Updated 6d ago
ALL THE BEST FOR THE UPCOMING PROPOSAL! Given that it's a higher value purchase, definitely try to rack up either the miles or cashback on your card! It really depends on which jeweller you are intending to purchase from though. On a slightly related note - maybe don't spend so much on the ring. I always had the thinking that with prudent couples, they would just get a simple ring/wedding. If decades later, when the relationship really stands the test of time (and by then, savings would also have grown) - then splurge on a nice ring/holiday/party if you like. When I see couples break up within the first few years of marriage, I always think back on the extravagant weddings and proposals and wonder if it was worth it.

Shopping

Kdz
Kdz
Level 3. Wonderkid
Answered 1w ago
For Expedia + shopback I usually do it through web. Log in to your shopback account - Find and click on Expedia - Read the cashback % (its abit lower now) - Click activate or redeem (red button)- It will redirect you to Expedia (If it doesn’t check your pop-up or other security details and start from top again) - You can log in to your Expedia account (that you have set up beforehand) to collect the Expedia reward points, sometimes you can add your airline frequent flyer account here too - Select your booking (you have to do it all at once, no closing or switching browser). Hence, I suggest that you survey and decide on Expedia first before booking through Shopback. Thereafter about a couple of hours you should receive Shopback email. It will start processing after you complete your trip/booking. Previously it takes a while (few months) to confirm the cashback. Previous exp: - Expedia sometimes first send a tentative booking followed by confirmation booking email. - For flights go to the airline to double check your booking by keying in the booking code. - Expedia sometimes have third/fourth-party eg. Hahn airlines so instead of the airline you need to go to the third/fourth party. - For hotels membership I do it during my check-ins. - It’s best if you print out the itinerary + 4th party's, whatever codes or number are there. BW.

General

Shopping

JY Xie
JY Xie
Level 3. Wonderkid
Updated 3w ago
Came across this article on how to ship Taobao furniture to Singapore. A lot of helpful tips even though I don't buy furniture. Tips include • Narrowing your search results using filters • Camera function • Use the “找相似” function • Live chat function • Redeeming discount vouchers The article also has a step-by-step guide on how to shop (+ screenshots), how to do quality checks for products and communicate with sellers. V informative and helpful imo

Travel

Shopping

Lifestyle

YouTrip

DBS Multi Currency Account

I'm not sure about UOB Mighty FX and RHB TravelFX. but comparing DBS MCA to YouTrip; Based on what i have gathered and through my own experience, YouTrip tend to offer better rates with the least margin. On another note, i do personally feel that it's safer to use YouTrip instead of your own debit/credit card as a precautionary measure against theft as you can instantly lock your card from the app. DBS MCA does offer free overseas withdrawal, though quite a limited range of banks/locations. I believe that overseas ATM Withdrawal would only cost S$5 with the YouTrip card, a small price to pay for the additional security of not holding on to too much cash. It would also be prudent to bring along a backup card such as the DBS MCA that you can keep just in case you do lose the YouTrip card.

Shopping

Kenneth Lou
Kenneth Lou, Co-founder at Seedly
Level 8. Wizard
Updated 4w ago
Hey there friend! I felt the exact same way as well before I tried it around 3 years back haha. When things are too good to be true, it probably is. However, the whole digital internet economy has changed abit of that. And in the case of ShopBack, it's in the idea of affliate marketing. Sounds like a complicated term to understand, but to explain it in simple english: - John wants to buy a Macbook from Apple - The Macbook costs $2,000 - However, if he goes through ShopBack (online portal) and clicks through - John will still pay $2,000 Behind the scenes: - Apple will pay ShopBack 5% = $100 as a " marketing referral fee " - ShopBack will rebate 2% = back to John as "cashback" = $40 - ShopBack earns the balance of 3% = $60 as revenue Hope that answers your question and yes, Apple still makes a good amount of money after netting off that referral fees that they paid ShopBack because of the high margins of the products. That's pretty much it! And I would say the only draw back is having to remember to click through the online portal and some people are simply very lazy to do that. But personally I have saved $800 in cashback, yes in pure, hard, cold cash. And Seedly, being part of the ShopBack family, we see a HUGE and INCREASING trend of online shoppers using ShopBack to get savings off on a daily basis via LAZADA, Shopee, ZALORA, and online groceries like Fairprice Online, Cold Storage online etc. Super interesting indeed.

Lifestyle

Shopping

Promotional Codes

Junus Eu
Junus Eu
Level 8. Wizard
Answered on 09 Jun 2019
I LOVE iHerb for so many things! Here's my referral code: PLM421

Lifestyle

Shopping

Travel

I bid once for an upgrade at the lowest end of the scale just for the fun of it and got upgraded. I won't say it's exactly worth my money (BKK to SG is not very far) but I did get luggage allowance, priority boarding and a hot meal, plus the seat was akin to premium economy on most full service carriers, so I hope that gives you an idea of what to expect. I would say you can just vote at the lowest end of the scale, and hopefully you'll get it. The airline is probably trying to monetize vacant seats as it doesn't see a possibility of selling it prior to departure, so any money gained from the upgrade will be their bottom line.

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.
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