Personal Finance

Smart Financial Resolutions To Kick-Start 2016

What better way to usher in the New Year than by making smart financial resolutions to improve your wealth? 1. ELIMINATE YOUR UNHEALTHY HABITS Unhealthy habits, such as excessively drinking alcohol or smoking tobacco, that you enjoy on a regular basis can not only increase your insurance premiums but also your daily expenses. Another unhealthy habit that may be costing you a lot is regularly eating junk. Junk food is called junk for a reason as excessive consumption can lead



Income versus Expenses: How Are We Faring?

Income Expenses

Singapore is not cheap, which makes you wonder, how do we thrive? To help us understand better, let’s talk about our cost of living. Housing In general, the property prices in Singapore are going down, thanks to the efforts of the government, including reducing the loan-to-value ratio and capping home loans up to 35 years. Moreover, you have several property options, although more than 75% of us live in HDB flats, of which the cheapest can be a 2-room home


Marriage & Family

4 Ways To Save Big On School Supplies

I can still remember the time when my mother distributed school supplies to me and my other siblings. It was a rush that I get every time I fill my bag with new stationery items. But, behind that joyful rush is a mother that just spent her hard-earned cash on supplies! This is why it is important to save as much as you can while shopping. Start by setting aside extra cash each week before the school starts. Then, follow


Lifestyle & Hobbies

How to keep your food budget below $600

Continuing from the article on “How to maximise your life with a $3,000 paycheck”, this article will be focusing on the ways to stretch a $600 monthly food budget. This is the first in a five-part series on how to optimise the use of funds allocated to each of the budgets. 1. Indulge in hawker fare The most economical way to tempt your tastebuds would be to indulge in hawker fare. The average price for a meal complete with a



The True Cost Of Traditional Chinese Medicine In Singapore

The Traditional Chinese Medicine (TCM) encompasses several theories and practices that were developed in China back then…for over two millennia. The practices include herbal medicine, acupuncture, exercises, and massages. In 2013, a study by Jingcheng Dong showed that there are different components in a TCM diagnosis, namely: Inspection, Auscultation-olfaction, Background, and Palpation. The inspection involves visually examining the changes in the patient’s appearance and movement. Auscultation-olfaction involves listening to sounds and smelling different odors. Background, consistent with the Western Medicine, involves