Latest Article
How SORA Affects Singapore REITs: Borrowing Costs, DPU & Yield Spread (2026)
How SORA shapes Singapore REIT borrowing costs and your DPU, whichever way rates move. A plain-English guide to the debt mechanics, the yield spread vs SSB, and the REIT metrics worth watching.
Recent Articles
HDB Aircon Replacement: What I Learnt Replacing My 15-Year-Old System (2026)
I replaced the 15-year-old aircon system in our HDB apartment. This is what I learnt: when to repair or replace, what cheaper quotes leave out, what pipe jargon means, installation day, and how I saved up for it.
FIRE Trial Expense Report — September 2026: A $4,500 Aircon Replacement We Saved Up For
Our monthly Singapore expense report for September 2026. We paid about $4,500 for a new aircon system from our sinking fund, and it still made September our first shortfall month since February.
Best Electricity Plans In Singapore (October 2026)
Are you overpaying for electricity in Singapore? Discover how to easily switch from the default SP Group tariff to the best fixed, discount-off-tariff, and time-of-use retail plans to save hundreds annually.
Singapore Savings Bonds (SSB) Nov 2026: Year 1 (1.67%), 10-Year (2.45%) & Results
The Singapore Savings Bonds (SSB) November 2026 issue pays 1.67% in the first year and a 2.45% average over 10 years, the highest 10-year average since July 2025. Here’s how it compares, whether I’m putting fresh money in, and why I’m not recycling my older tranches.
YouTrip Review (2026): A Multi-Currency Wallet And A Reliable Backup Card
The banks now match YouTrip on the 0% FX fee. So what is it still good for in 2026? A multi-currency wallet that lets you lock in a rate ahead of a trip, and a free backup card for when your main card fails overseas.
Chocolate Card Review (2026): The Zero FX Fees Card That Earns Miles
`A 0% FX fee card that now earns miles instead of cashback. Here is who the Chocolate Card is for, and where the miles fall short.`
1. Earn Money
How To Setup Wise USD Account To Receive Payments (From Mediavine)
Wise (formerly TransferWise) is a UK-based FinTech company that specializes in online international money transfer services. For me, the value proposition of Wise is that it allows users to send…
1 Easy Step To Avoid PayPal Currency Conversion Fees
Every so often, we may need to use PayPal when dealing with sending or receiving money, especially when we have any sort of online business or side hustles. Frankly speaking,…
2. Manage Money
You Need A Budget (YNAB) Review: Still Paying For It a Decade Later
I first reviewed YNAB in 2015 when it cost a one-time US$60. It’s now a US$109/year cloud subscription, and I still pay for it every year. Here’s my honest take after using it daily for over a decade, from negative net worth to seven figures: what it costs now, how I actually use it (I even built apps on its API), the free alternatives, and whether it’s worth it.
Your Expense Tracker Is Sleeping Data. AI Wakes It Up. (Prompt Finance)
You’ve tracked expenses for years, but your app only shows you what it was designed to show. I asked AI to build a local database from more than a decade of YNAB data. The queries I ran were more revealing than expected.
3. Grow Wealth
How SORA Affects Singapore REITs: Borrowing Costs, DPU & Yield Spread (2026)
How SORA shapes Singapore REIT borrowing costs and your DPU, whichever way rates move. A plain-English guide to the debt mechanics, the yield spread vs SSB, and the REIT metrics worth watching.
Chocolate Finance Review (2026)
Chocolate Finance pays 2% p.a. on your first S$20k through its Top-Up Programme. I’ve been using it since 2024. Here’s how it works, the risks, what happened during the 2025 withdrawal saga, and how it compares to Singlife and Mari Invest SavePlus.
4. Protect Wealth
Income FlexiTravel Plus Review: Hourly Travel Insurance
Income FlexiTravel Plus is an hourly travel insurance plan covering 19 Asian countries at just $3 per day. Here’s what it covers, how it compares to Income’s other plans, the trade-offs, and my experience using it for short getaways.
Why Buy Home Insurance On Top Of HDB Fire Insurance
In a country like Singapore, where there are minimal risks from natural disasters, I suppose taking basic measures for protection against fire to safeguard against losses at home seems like…
5. Spend Money
HDB Aircon Replacement: What I Learnt Replacing My 15-Year-Old System (2026)
I replaced the 15-year-old aircon system in our HDB apartment. This is what I learnt: when to repair or replace, what cheaper quotes leave out, what pipe jargon means, installation day, and how I saved up for it.
Best Electricity Plans In Singapore (October 2026)
Are you overpaying for electricity in Singapore? Discover how to easily switch from the default SP Group tariff to the best fixed, discount-off-tariff, and time-of-use retail plans to save hundreds annually.
6. Retire
FIRE Trial Expense Report — September 2026: A $4,500 Aircon Replacement We Saved Up For
Our monthly Singapore expense report for September 2026. We paid about $4,500 for a new aircon system from our sinking fund, and it still made September our first shortfall month since February.
FIRE Trial Expense Report — August 2026: Low On Income, Light On Expenses
Our monthly Singapore expense report for August 2026. The quarterly dividends went quiet after July’s payout, so income ran more than $2,000 below average, and the month still finished in a $751 surplus because expenses came in nearly $900 under average.
Commentary
Singapore Savings Bonds (SSB) Nov 2026: Year 1 (1.67%), 10-Year (2.45%) & Results
The Singapore Savings Bonds (SSB) November 2026 issue pays 1.67% in the first year and a 2.45% average over 10 years, the highest 10-year average since July 2025. Here’s how it compares, whether I’m putting fresh money in, and why I’m not recycling my older tranches.
Singapore Savings Bonds (SSB) Oct 2026: Year 1 (1.65%), 10-Year (2.32%) & Results
The SSB October 2026 issue pays 1.65% in the first year and a 2.32% average over 10 years. Both rates are up for a third straight month. Here’s where that sits historically, whether this issue is worth it, and how the year-one rate now stacks up against liquid cash options.
Personal
MacBook Neo: Why This S$849 Laptop Is A Bigger Deal Than You Think
Apple’s MacBook Neo starts at S$849 (S$729 for students), making it the cheapest MacBook ever. This isn’t just a budget laptop, but a strategic move that could reshape the laptop market for students, seniors, and everyday users.
My Cholesterol Journey: From Dangerously High to Halving My Supplement (2017–2026)
Nine years of blood test data, lifestyle changes, and a natural supplement journey. From a total cholesterol of 7.15 in 2017 to desirable levels in 2026 on half the supplement dose. Here’s what I did and what the numbers show.