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Review: Chocolate Finance Account (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.
Recent Articles
Singapore Savings Bonds (SSB) Sep 2026: Year 1 (1.52%), 10-Year (2.25%) & Results
The Singapore Savings Bonds (SSB) September 2026 issue pays 1.52% in the first year and a 2.25% average over 10 years. Both rates are up from August. Here’s where that sits historically, whether this issue is worth it, and the idle-cash options paying more right now.
FIRE Trial Expense Report — July 2026: A Malaysia Trip In A Dividend-Rich Month
Our monthly Singapore expense report for July 2026. A few days in Malaysia still kept spending light, and the quarterly dividends pushed the net difference to a $3,696 surplus, the second biggest since January.
Cash Strategy: Where I Park My Funds Without Chasing Rates (Q3 2026)
Where I actually park my cash in Singapore, and why I don’t chase rates. My liquid setup currently – Chocolate Finance, Singlife and Mari Invest. Zero-hassle cash management.
KrisFlyer Miles Update (Q2 2026): The 2 Free Tools I Built To Track And Fly
My quarterly KrisFlyer miles check-in. Where my stash sits, the trips I redeemed, the credit cards I earn on, and the two free calculators I built to track expiry and plan redemptions. A repeatable, average-Joe way to fly economy for the price of taxes.
Frasers Centrepoint Trust (FCT) Q3 FY2026 Update: Cheaper 3.0% Debt
FCT’s Q3 FY2026 business update: a quiet, healthy quarter with occupancy near-full at 99.6% and quarterly cost of debt easing to 3.0%. The bigger stories sit outside the quarter, the White Sands divestment and the Bayshore Drive bid. Here’s the scorecard and what I’m watching.
Singapore Savings Bonds (SSB) Aug 2026: Year 1 (1.46%), 10-Year (2.06%) & Results
The Singapore Savings Bonds (SSB) August 2026 issue pays 1.46% in the first year and a 2.06% average over 10 years. First-year is flat versus July; the 10-year average dipped from 2.11%. Here’s where that rate sits historically, whether this issue is worth it, and the idle-cash options paying more right now.
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
Review: Chocolate Finance Account (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.
Cash Strategy: Where I Park My Funds Without Chasing Rates (Q3 2026)
Where I actually park my cash in Singapore, and why I don’t chase rates. My liquid setup currently – Chocolate Finance, Singlife and Mari Invest. Zero-hassle cash management.
4. Protect Wealth
Income FlexiTravel Plus: Affordable Hourly Travel Insurance For Asia Trips
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.
Can’t Afford Travel Insurance? Ditch The Vacation
In case you haven’t noticed, travelling is one of the best things in life for me, but I am well aware that unexpected events can instantly turn a dream vacation…
5. Spend Money
KrisFlyer Miles Update (Q2 2026): The 2 Free Tools I Built To Track And Fly
My quarterly KrisFlyer miles check-in. Where my stash sits, the trips I redeemed, the credit cards I earn on, and the two free calculators I built to track expiry and plan redemptions. A repeatable, average-Joe way to fly economy for the price of taxes.
UOB EVOL Review: The Ideal First Credit Card (2026)
My honest UOB EVOL review. Why a free, 0% FX, no-annual-fee card is the ideal first credit card for a Singaporean just entering the workforce, its honest downsides, and how to qualify even without a S$30k income.
6. Retire
FIRE Trial Expense Report — July 2026: A Malaysia Trip In A Dividend-Rich Month
Our monthly Singapore expense report for July 2026. A few days in Malaysia still kept spending light, and the quarterly dividends pushed the net difference to a $3,696 surplus, the second biggest since January.
FIRE Trial Expense Report — June 2026: Is Singapore Really That Expensive?
Our monthly Singapore expense report for June 2026. Six months of tracking are in: A comfortable two-person lifestyle is averaging about $3,100 a month. As always: track everything, watch the trailing 12-month average, ignore single months.
Commentary
Singapore Savings Bonds (SSB) Sep 2026: Year 1 (1.52%), 10-Year (2.25%) & Results
The Singapore Savings Bonds (SSB) September 2026 issue pays 1.52% in the first year and a 2.25% average over 10 years. Both rates are up from August. Here’s where that sits historically, whether this issue is worth it, and the idle-cash options paying more right now.
Singapore Savings Bonds (SSB) Aug 2026: Year 1 (1.46%), 10-Year (2.06%) & Results
The Singapore Savings Bonds (SSB) August 2026 issue pays 1.46% in the first year and a 2.06% average over 10 years. First-year is flat versus July; the 10-year average dipped from 2.11%. Here’s where that rate sits historically, whether this issue is worth it, and the idle-cash options paying more right now.
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.