Savings

Already heard of most of the usual tips to save? Do you want something you can start on that’s low effort but could yield high savings? Many of us already know the essentials of saving money such as budgeting, cutting down on debt, and spending on essentials first. But there are also some lesser known tips or “money hacks” that could keep your wallet fuller. ​ Source: Giphy Consider the store brand for your groceries Although well-known branded products may usually be better in quality, don’t forget to consider store brands. Sometimes, the quality difference is small but there are huge

Spending is not only a necessity to survive. It can be gratifying to spend on our wants like the latest gadget, nice furniture, or even the car we’ve been eyeing for months. But this gratification can easily turn into unnecessary spending if we are not careful, or even snowball into an empty wallet. Here are 5 practical tips to curb unnecessary spending. ​ Source: Giphy Understanding your triggers A spending trigger is something that tempts you to spend money. For example, a situation, emotion, place, or person. It can come in many forms and be obvious or subtle. If you don’t know you

Being a young adult is a time to be independent, and that also entails financial independence. When young, you may have studied personal finance in school and your experience may be limited. But in the real world, things can get complicated. What we learn may not necessarily translate easily to reality. Here are 8 effective and practical finance tips for young adults. ​ Source: Giphy Apply for a credit card Apply once you have income. It can help you build a good credit score early and gain rewards. A healthy credit score is important because it can improve your chances with loan

You’ve met the one, settled down, and had kids. That comes with responsibilities not only to yourself but your family. With a spouse and kids now to support alongside your parents, the years can become financially demanding with expenses such as bills, mortgage, petrol, etc.  What if the unthinkable happens and your family has to go on without you providing or even having to bear your debts? What if you can’t afford your medical bills? What if you do not have enough for retirement, and one day you might have to rely on your family?  It’s important to be financially protected

Young and single? Feeling healthy? Have no commitments to a spouse or any children? So why get insured? As an overall benefit of being young, it’s because premiums are cheaper and you could be saving money in the long-run. But there’s more to it!  Here are 4 types of insurance to consider as a young single person and why.   ​ Medical Insurance You may have lower health risks, but nobody is risk-free. Unexpected medical bills can occur at any age. Also, your family may have a medical history which would make getting insured even more important. Being young and single, and still