Housing woes: can I afford an EC?

The fiancé and I have been applying for BTOs for a year now and till date have yet to be successful. We managed to get a number one time but even then our number was twice the number of available units which is as good as not getting any number. It’s been a bleak and […]

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The death of savings accounts?

With Standard Chartered and DBS cutting their interest rates yet again from this month onwards, is there really a point in putting money in savings accounts anymore? I use DBS Multiplier account as my main account and Standard Chartered JumpStart account for mandatory savings. It is the only two banks that I currently have savings […]

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Delaying gratification

The struggle of instant gratification vs. delayed gratification is something I face from time to time. I have relatively good self-control and am not on socials so I have already eliminated unnecessary spending that stems from FOMO/peer comparison. So really this struggle is a matter of reconciling my own brain (needs) and heart (wants). The […]

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I chose pay over passion and that’s okay

When I was a fresh graduate, I applied for jobs in a field that I was interested in and paid little attention to the remuneration package. To me, passion was primary and pay, secondary. I believed that it didn’t matter so much what I was paid so long as I was doing what I loved. […]

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