For years, my monthly savings target was whichever round number looked sensible on payday. It was not connected to my CPF contribution, so a smaller raise or a…
Reviews
For one month, I tracked every meal I bought from Singapore hawker centres rather than treating eating out as an occasional, unrecorded convenience. The aim…
When I compared the latest two Singapore Savings Bond (SSB) issues available in April 2025, I chose the April 2025 issue for new money and left my October 2024…
I treat CPF Investment Scheme fees as a running cost, not a footnote. Each year, the charges attached to my ordinary shares, REITs, exchange-traded funds,…
The price of common vaccinations at different clinics in Singapore can vary sharply, even when the vaccine and scheduled dose are identical. A resident may pay…
I used to treat my MRT commute as one line in my household budget: the amount deducted when I tapped out of the station. Distance-based fares made that line…
I sold part of my SGX stock holdings after an unexpected car repair and a short gap between paydays left my Australian household with less usable cash than I…
My Singapore Savings Bond record began with a practical question: on what date did my money leave the ordinary account, what amount was allotted, and when…
The impact of changes in CPF Ordinary Account interest on my mortgage is not a direct link, and that distinction keeps me grounded. My CPF balance is a savings…
Food is one of the easiest household expenses to underestimate. A single supermarket visit can feel reasonable, yet several small top-ups during the month can…