What financial product or tool do you find the most important to you during this COVID-19 period?

Personally, it would definitely be my health insurance, my budgeting spreadsheet, and credible finance platforms that keep me updated on the need-to-knows.

When I started getting alarmed by Covid, I checked in with my insurance agents and made sure my family and I were sovered should anything happen. I think it's super important for you to be aware of your coverage + what steps you need to take in order to ensure you don't have to scramble if something sudden hits you/ your family. Keep updated with your agents and make sure you to ask if you're unsure! Better safe than sorry.

A budgeting spreadsheet also really helped me manage my finances, my daily and monthly in and out spending, as well as keeping track of payments I had to make and necessities I had to purchase. I wouldn't recommend making unnecessary purchases( save save save!), especially in this uncertain climate, but if you absolutely had to, make sure it fits into your monthly budget and if you choose to pay in instalments, that you have enough to cover the upcoming payments. I had a friend who had some queries on paying her instalments with hoolah, a pay later provider, so she got into contact with them and from what I heard, their customer service is really efficient and they focus alot on financial responsibility and how to help their customers achieve that even in this climate. Quite interesting for a payment company to take that standpoint, but appreciated nonetheless.

Finance platforms also helped keep me updated on what was going on with banks, stocks, etc. So that was really helpful. It's all about awareness for this and making sure you put in the effort to keep yourself updated- not just so you know how to protect yourself and your savings but just so you are able to keep track of the financial sphere as everything continues to evolve.

The calculator in my head.

Financial products are just products, I keep a mental spreadsheet in my head for expenses, business growth budgets and the macro view of what to expect 2, 3 and 5 year time frames for my personal wealth and business growth. With my career experience, this allows me to make 5 second decisions on money matters in my personal life without flinching. I cut my own decision time frame to seconds where most people spend months or years thinking about it. Time is money.

This allows me to wake up with a game plan every day and plan for the next week.​​​

I often use estatement of DBS banking that already exists on my phone :)

I am so glad that someone says Atome, the same thought with me. Atome is the most important! It helps me reduce the bills and makes life meaningful and hopeful.