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My approach to spending and saving is simple:

  1. Spend within your means
  2. Save up for rainy days
  3. Everything in moderation

Please read more my articles where I go into more detail, explore the evidence and explain various concepts in investing.

Why You Should Pay For Your HDB With CPF

One article showed up in my feed one fine afternoon: Why you should not pay for your HDB with CPF Naturally, I clicked because I am a believer in paying for your HDB with CPF. Maybe I might get converted to the pay-with-cash camp. The Summary of The Article “Why you should not pay for…

Key Strategies To Maximize Credit Card Cashback

We love seeing cash credited to our accounts. At least most of us do. It is no wonder cashback credit cards are popular. A cashback credit card works in this way: You spend with you credit card You get a certain amount of cash (a small percentage of your total spending) credited back at the…

Choosing The Best Cashback Credit Card And Signup Promotions

With so many cashback credit cards, how can you choose the best? In this article, I will break down the different types of cashback cards and provide a review on them. You can get extra free gifts, cash or vouchers by applying for the cards via my links

DBS Flash Deals And Online Banking Insurance

When you apply for cards via the links, I will receive a small commission. All reviews are my own opinions DBS is currently having a promotion for its credit cards from now until Aug 6. New cardholders will receive $200 in cashback once you charge 1 qualifying transaction within 30 days from card approval date…

Get More Rebates For Your Grocery Spending

When you apply for cards via the links, I will receive a small commission. All reviews are my own opinions Since the circuit breaker, my groceries expenses had increased significantly – I need to provide three meals a day to my family. I have been using the NTUC Plus! Visa card happily because all the…


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