Latest Article
Singapore Savings Bonds (SSB) Dec 2026: Year 1 (1.83%), 10-Year (2.39%) & Results
The SSB December 2026 issue (SBDEC26, GX26120A) pays 1.83% in year one and 2.39% a year on average over 10 years. Applications close 25 November, 9pm. Here’s how it compares, and why I’m not adding fresh money.
Recent Articles
Best Electricity Plans In Singapore (November 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.
Mari Credit Card Review (2026): The Best First Card Without $30k Income Requirement
The Mari Credit Card has no annual fee, 0% FX fee and 1.5% cashback. You can get it without a $30k income. I cover my referral code 6RCP85LA and what overseas ATM withdrawals cost.
KrisFlyer Miles Update, Q3 2026 (319,000): Free Calculator & My 2027 Trips
My quarterly KrisFlyer check-in. I have 318,859 redeemable miles, and 52,072 of them expire in the next 12 months. Here are the two trips that will use them, and the free calculator I built to track it all.
HDB Aircon Maintenance (2026): Costs, Leaks And Cheap Fixes
What 15 years with one HDB aircon system taught us: what servicing costs us, what a good crew does, how we handle leaks, when a chemical wash is worth it, and the cheap fixes that kept our old units going.
Thoughts On Syfe Income+ Max: Watch The Withholding Tax
My first read on Syfe Income+ Max: which funds make sense, which choices I can’t understand, how US withholding tax affects the payouts, and what I’d change if I built it myself.
Chocolate Finance Review (2026): How It Works, The Risks, And Why I Still Use It
Chocolate Finance pays a promotional top-up rate on your cash 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.
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
Singapore Savings Bonds (SSB) Dec 2026: Year 1 (1.83%), 10-Year (2.39%) & Results
The SSB December 2026 issue (SBDEC26, GX26120A) pays 1.83% in year one and 2.39% a year on average over 10 years. Applications close 25 November, 9pm. Here’s how it compares, and why I’m not adding fresh money.
Chocolate Finance Review (2026): How It Works, The Risks, And Why I Still Use It
Chocolate Finance pays a promotional top-up rate on your cash 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 (2026): 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
Best Electricity Plans In Singapore (November 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.
Mari Credit Card Review (2026): The Best First Card Without $30k Income Requirement
The Mari Credit Card has no annual fee, 0% FX fee and 1.5% cashback. You can get it without a $30k income. I cover my referral code 6RCP85LA and what overseas ATM withdrawals cost.
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) Dec 2026: Year 1 (1.83%), 10-Year (2.39%) & Results
The SSB December 2026 issue (SBDEC26, GX26120A) pays 1.83% in year one and 2.39% a year on average over 10 years. Applications close 25 November, 9pm. Here’s how it compares, and why I’m not adding fresh money.
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.
Personal
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.
Health Scare? Health > Wealth.
At this point in time, I’m probably the healthiest I have ever been in recent years. This wasn’t always the case. To the best of my memory, it was around…