Top 6 Financial Resolutions for 2025

Whether you’re gearing up for a big year ahead or just want to breathe easier about money, these six resolutions will set you on the right path this 2025!

#1: SAVE MORE, WORRY LESS

Start small and aim big. Set a goal to save at least three months’ worth of your take-home pay this year, and eventually work toward a full year’s cushion.

With Singapore’s rising cost of living, having an emergency fund is your safety net against unexpected expenses. It’s not just about the amount you save but the habit of saving consistently.

#2: BE CONSITENT WITH MONEY

Consistency is your best friend in financial planning. Even small, regular contributions to your savings can snowball over time. Can’t save a lot? No worries as every dollar counts!

For those with long-term goals, consider setting aside funds for regular investments. The earlier you start, the more time your money has to grow, thanks to compound interest.

#3: SET CLEAR FINANCIAL GOALS

What’s your money motivation? Maybe it’s sending your kids to a prestigious school, taking your dream retirement trip, or passing on your family business. Define your short- and long-term goals, and compare them to where you are financially today.

Pro tip: Create a bucket list of personal milestones. Make these goals tangible (e.g., aiming to travel to London by March), and let them fuel your financial drive.

#4: PLAN SMARTER FOR TAXES

Don’t let taxes catch you off guard! Review your year-end statements and identify potential tax liabilities, such as interest or dividends. Proper tax planning can save you from unnecessary stress and money.

Explore tax reliefs like those for CPF contributions, NSmen, or parent and spouse care. Every bit helps when it comes to keeping more of your hard-earned dollars.

#5: CONTRIBUTE MORE TO YOUR RETIREMENT FUNDS

Say it with me: “2025 is the year to prioritize my future self!” Start contributing regularly to your retirement funds, like CPF. The earlier you begin, the more time your money has to grow.

If you’re employed, ensure you’re maximizing your CPF contributions and exploring top-ups to your Special or Retirement Accounts. It’s a simple yet effective way to build a comfortable nest egg.

#6: SHOP SMART, LIVE WELL

Shopping wisely is all about cutting costs without compromising your lifestyle. Take advantage of discounts, deals, and cashback platforms. Buy in bulk for essentials and hold off on splurging until sales events like the Great Singapore Sale or 11.11.

And don’t forget healthy money habits: Pay your bills as soon as payday hits, track your spending, and focus on financial literacy. These small changes can lead to big savings.

Image Credits: unsplash.com

With these resolutions, you’ll not only build financial resilience but also set yourself up for a more secure and stress-free future. So, what’s your first step toward a brighter financial year?

Sources: 1,2, & 3

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40+ newly launched foodstuffs from Korea’s convenience store to try before December 2024 ends

CU Newly Launched Foodstuffs December 2024

Hope you’ve had a joyful Merry Christmas with your loved ones!

If you’re currently in Korea and still enjoying the festive season, you might want to swing by Korea’s convenience store, specifically CU, for all the latest releases.

In this episode, we’ve got several launches from the contestants of Culinary Class Wars!

So hop by a few chains and see if you can get your hands on these foodstuffs:

#1a: Dining Table’s Grilled Vegetables & Chicken Platter (8,200 KRW; approx. 7.69 SGD)

#1b: Dining Table’s Grilled Pork Belly & Sausage (7,900 KRW; approx. 7.41 SGD)

#1c: Dining Table’s Toowoomba Pane Pasta (6,900 KRW; approx. 6.47 SGD)

#2a: Giant Bulgogi Pizza (3,900 KRW; approx. 3.66 SGD)

#2b: Hey! Chicken’s Sweet & Spicy Dakgangjeong (Small Cup) (3,900 KRW; approx. 3.66 SGD)

#2c: Cream Leek Croquette (1,600 KRW; approx. 1.50 SGD)

#3a: Sumifru’s Choco Banana Chips (3,600 KRW; approx. 3.37 SGD)

#3b: Sumifru’s White Choco Banana Chips (3,600 KRW; approx. 3.37 SGD)

#3c: Sumifru’s Dark Choco Banana Chips (3,600 KRW; approx. 3.37 SGD)

#4a: Zeroweet’s Zero Sugar Milk Vanilla Monaka (3,300 KRW; approx. 3.09 SGD)

#4b: Zeroweet’s Zero Sugar Choco Monaka (3,300 KRW; approx. 3.09 SGD)

#4c: Washed Apple Slices (2,900 KRW; approx. 2.72 SGD)

#5a: Hmmm! Sparkling Wine (12,900 KRW; approx. 12.09 SGD)

#5b: 王老吉’s Herbal Tea (2,000 KRW; approx. 1.87 SGD)

#5c: Crayon Shin-chan’s Americano (3,000 KRW; approx. 2.81 SGD)

#6: Culinary Class Wars’ Master of School Meals’ Bulgogi Dosirak (6,200 KRW; approx. 5.81 SGD)

#7a: Culinary Class Wars’ Master of School Meals’ Roasted Pork Dosirak (5,900 KRW; approx. 5.53 SGD)

#7b: Culinary Class Wars’ Master of School Meals’ Braised Spicy Chicken (5,500 KRW; approx. 5.16 SGD)

#7c: Culinary Class Wars’ Master of School Meals’ Bibim Dumplings (5,200 KRW; approx. 4.87 SGD)

#8a: Culinary Class Wars’ Master of School Meals’ Gimbap (3,300 KRW; approx. 3.09 SGD)

#8b: Culinary Class Wars’ Master of School Meals’ Egg Sandwich (3,400 KRW; approx. 3.19 SGD)

#8c: Culinary Class Wars’ Master of School Meals’ Beef Veggie Fried Tofu Rice Bar (2,700 KRW; approx. 2.53 SGD)

#9a: Ottogi’s Jjamppong Rabokki (3,900 KRW; approx. 3.66 SGD)

#9b: Ottogi’s Cream Jjamppong Rabokki (3,900 KRW; approx. 3.66 SGD)

#10a: 405 Bakehouse’s Mocha Salt Bread (3,600 KRW; approx. 3.37 SGD)

#10b: 405 Bakehouse’s Choco Salt Bread (3,600 KRW; approx. 3.37 SGD)

#11a: Culinary Class Wars’ Napoli Matfia’s Pistachio & Strawberry Cup Cake (5,200 KRW; approx. 4.87 SGD)

#11b: Culinary Class Wars’ Napoli Matfia’s Pistachio & Strawberry Sandwich (3,900 KRW; approx. 3.66 SGD)

#12a: Soondae Rice Soup (5,900 KRW; approx. 5.53 SGD)

#12b: Hmmm! Double Oak Red Wine (12,900 KRW; approx. 12.09 SGD)

#13a: Wow Kimchi Fried Rice (3,900 KRW; approx. 3.66 SGD)

#13b: Mexican Couscous Salad (5,900 KRW; approx. 5.53 SGD)

#13c: Cereal Style Honey Rice Cake Balls (3,300 KRW; approx. 3.09 SGD)

#14a: The Misik’s Squid Ramyeon Cup (2,800 KRW; approx. 2.62 SGD)

#14b: Culinary Class Wars’ Master of School Meals’ Gangneung Style Jjamppong Soft Tofu Stew (4,900 KRW; approx. 4.59 SGD)

#14c: Culinary Class Wars’ Master of School Meals’ Gamjatang (Pork Back-bone Stew) (4,900 KRW; approx. 4.59 SGD)

#15a: Red Sun Rise Cocktail Style Ade (Pomegranate) (1,600 KRW; approx. 1.50 SGD)

#15b: Green Apple Martini Cocktail Style Ade (1,600 KRW; approx. 1.50 SGD)

#15c: Fresh Citron Highball Can (4,500 KRW; approx. 4.22 SGD)

#16a: Culinary Class Wars’ Napoli Matfia’s Pistachio & Strawberry Fresh Cream Bread (3,400 KRW; approx. 3.19 SGD)

#16b: Yonsei’s Strawberry Milk Roll Cake (3,800 KRW; approx. 3.56 SGD)

#16c: 405 Bakehouse’s Garlic Salt Bread (3,600 KRW; approx. 3.37 SGD)

#17a: Super Large King “Half-Half” Burger (13,000 KRW; approx. 12.19 SGD)

#17b: Super Large King 1kg Pasta (9,900 KRW; approx. 9.28 SGD)

#17c: Apple Cider Vinegar Tangle Pocket (5 Pcs) (5,900 KRW; approx. 5.53 SGD)

All image credits to CU.

Price conversion from KRW to SGD is accurate at the time of writing.

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7 Life-Saving Tips to Stay Within Budget This Christmas

The holiday season is a time for joy, but it can also bring stress, especially when it comes to managing finances. With these seven budget-friendly tips, you can enjoy the festivities without breaking the bank.

#1: SET YOUR LIMITS

Before you start shopping, establish clear spending limits. With credit cards offering easy access to extra funds, it’s essential to avoid impulse buys. Review your bank account to determine how much you can comfortably spend without affecting your bills or essentials. To stretch your budget, cut back on non-essential daily expenses, like your regular kopi or teh at the hawker centre. Stick to cash and your set limits to stay on track.

#2: BE REALISTIC ABOUT YOUR BUDGET

It’s easy to feel pressure to match the spending habits of others, especially during the holidays. But remember, everyone’s financial situation is different. Don’t worry if your budget doesn’t allow for extravagant gifts. Reflect on the most meaningful gifts you’ve received. Often, it’s the thought that counts more than the price tag. A heartfelt, simple gesture can be just as valuable.

#3: REDUCE GIFT-GIVING

Santa has a long gift list, but you don’t need one! If your list of recipients exceeds your budget, consider scaling it back. For those outside your immediate circle, try baking festive treats like kueh or cookies instead of splurging on expensive gifts. This allows you to share the holiday spirit without straining your wallet.

#4: RESIST THE TEMPTATION OF SALES

Sales are everywhere during the holiday season, but discounts only translate to savings if you actually need the item. Resist the temptation to buy things just because they’re on sale. Whether it’s the Great Singapore Sale or limited-time promotions, if it wasn’t planned for, it’s not a bargain. Stay focused on your budget and avoid falling for flashy sales tactics.

#5: TRACK YOUR SPENDING

It’s easy to lose track of your spending during the holidays, especially with the abundance of online shopping options in Singapore. Use a money-tracking app or your bank’s mobile app to monitor your purchases in real-time. This will help you stay within your budget and prevent any financial surprises come January.

Image Credits: unsplash.com

#6: CHANGE YOUR MINDSET

Before buying gifts, pause and reflect on why you give them. Are you doing it out of tradition, social pressure, or genuine excitement to share something meaningful? Understanding your motivations can help you set realistic expectations and avoid overspending on items that don’t truly capture the spirit of the season.

#7: MAKE PRICELESS HOLIDAY MEMORIES

Sometimes, the best gifts are the ones that don’t come wrapped. Consider giving experiences that everyone can cherish. Ideas include:

  • Attending a Christmas service at a local church, like St. Andrew’s Cathedral or the Catholic Church of St. Teresa, to celebrate together.
  • Taking a festive stroll along Orchard Road to enjoy the Christmas light displays, followed by a homemade dessert in your home.
  • Gifting an annual pass to a local attraction like the Singapore Zoo or Jurong Bird Park for hours of fun at a reasonable price.

Image Credits: unsplash.com

This Christmas, focus on what truly matters: joy and meaningful memories. With these practical tips, you can celebrate without the financial hangover, all while enjoying the best Singapore has to offer this season of giving. Cue the songs of the season, including Mariah Carey’s All I Want for Christmas Is You and Rosé and Bruno Mars’ APT!!!

Sources: 1,2, & 3

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5 Signs You’re Financially Ready to Move Out of Your Parents’ House

Moving out is a significant milestone for many young Singaporeans. While living with parents until you’re financially stable is common in Asian cultures, there comes a time when independence is the goal. But how do you know if you’re truly ready? Well, consider these five signs that you’re financially prepared to live independently in Singapore.

#1: YOU CAN AFFORD THE COSTS OF MOVING OUT

Rent will likely be your largest monthly expense. In Singapore, renting a room or flat is common for singles under 35, unless family support helps secure a private apartment. Apart from rent, consider other costs like furniture, food, transportation, and household bills. Location, size, and proximity to amenities will affect rental prices, so ensure you can comfortably manage these costs before making the leap.

HDB flats are typically more affordable but come with eligibility criteria and waiting periods. Private condominiums offer more flexibility but at a higher cost. Understanding the differences will help you make the right choice.

#2: YOU HAVE AN EMERGENCY FUND

Unexpected expenses, like medical bills or home repairs, are inevitable. Having an emergency fund, ideally three to six months’ worth of living expenses, provides financial stability during tough times. If you haven’t built your emergency fund yet, focus on saving before considering independent living.

#3: YOU CAN PAY YOUR BILLS ON TIME

Paying bills promptly is a key sign of financial stability. If you consistently meet your obligations, it shows you’re managing your finances well. Struggling to pay bills or delaying payments? You may need to improve your budgeting skills before moving out. Consider reducing non-essential spending or finding ways to increase your income.

#4: YOUR NET WORTH IS GROWING

Image Credits: unsplash.com

Financial stability means having extra funds to save and invest. If you’re growing your net worth through investments in stocks, real estate, or other assets and side hustles, you’re on the right track. Even small increases in your net worth show that you’re financially responsible and ready for the added costs of independent living.

#5: YOU ARE EMOTIONALLY READY TO MOVE OUT

Moving out is not just a financial decision…it also requires emotional readiness. Independent living involves managing your own household, cooking, cleaning, and solving problems on your own. If you feel confident in your ability to handle these tasks, it’s a good sign you’re prepared for this next step in life.

IN A NUTSHELL

Living independently comes with both perks and responsibilities. Assess your new financial obligations, such as contributing to your parents’ allowance or paying for insurance, and plan your budget accordingly. Additionally, consider the emotional impact on your family dynamics. Moving out can change your relationship with your parents, so make sure you’re ready for this transition.

Image Credits: unsplash.com

Take your time to plan and ensure that when you do move out, you’re doing so with confidence and security.

Sources: 1 & 2

 

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4 well-rated ramen restaurants in Singapore to visit because nothing beats a bowl to warm the soul

Ramen Bowls

Craving for a hot bowl of ramen to warm the soul?

Look no further than this article because we’ve got the top well-rated ramen restaurants right on this list.

Enjoy the slurp! 😉

Takagi Ramen @ Woodlands

 

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Website: takagiramen.com

Google Rating: 4.8 (4.9K+ reviews)

Address: 6 Woodlands Square, #01-04, Singapore 737737 (Located in Woods Square Office (Tower 2))

Ramen mastery is no overnight affair and at Takagi Ramen, they’ve perfected the steps.

Dig into handcrafted hakata noodles that will turn you into an instant ramen fan.

The tonkotsu broth is simmered for over 12 hours to extract every ounce of bone richness.

Pair that depth with melt-in-your-mouth chashu and you’ve got yourself a ramen revelation.

From the classics (from $6.90) to local twists like chili crab ($14.90) and salted egg crab ($14.90), Takagi’s ramen is ready to make you a ramen addict.

The Ramen House

 

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A post shared by The Ramen House (@theramenhouse)

Website: theramenhouse.sg

Google Rating: 4.7 (8.4K+ reviews)

Address: 6 Short St, Singapore 188213

Or consider a bowl or two at The Ramen House, a real deal with their ramen broth that simmers for a full 30 hours to achieve a rich, milky texture.

Each slurp of the steamy broth coats your tongue with layers of depth.

And those noodles are gloriously springy, never mushy.

It would be our fault not to mention their other authentic Japanese fare like sushi rolls and sashimi but let’s be real—you’re here for the ramen (priced from $12.90).

And once you’ve had a spoonful of their slow-simmered soul soup… you’re bound to be back for a second/third serving.

Hanamaruken Ramen Singapore

Website: wixsite.com/hanamaruken 

Google Rating: 4.7 (550+ reviews)

Address: 51 Bras Basah Rd, #01-07, Lazada One, Singapore 189554

From the streets of Osaka, Hanamaruken brings Singapore a taste of Japan’s soul food.

Born from a family of butchers, this ramen chain stays true to its roots with high-quality pork and tonkotsu broth simmered for over 8 hours.

The marriage of shoyu and tonkotsu flavors, a closely guarded secret blend, unlocks an explosion in every slurp.

With ramen prices starting from just $12.80 and other mains like rice bowls and sides like desserts to round up your meal, let this ramen shop treat you to a Japanese comfort food experience.

Enishi @ International Plaza

Website: enishi-sg.com

Google Rating: 4.6 (600+ reviews)

Address: 10 Anson Rd, #02-85A International Plaza, Singapore 079903

Last but not least, allow us to introduce to you Enishi, the ramen skills you need to know behind each Michelin-worthy slurp.

Their “dandan noodles” here are no mere bowls of broth.

They’re flavor symphonies, combining dashi base with 32 balanced spices and the finest ingredients.

Crafted using kelp and dried goods favored across Japan, the dashi broth is the beating heart of the menu.

From its private 9-seat counter, Enishi at International Plaza brings the essence of Kobe ramen culture to your table.

Is your mouth watering yet? 🍜

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