SG Finance TrackerBlog
Tips and guides on budgeting, expense tracking, and personal finance in Singapore.
I Tried Every Expense Tracker App. Then I Just Used Telegram.
I used to track expenses in a Notes app. Then a spreadsheet. Then four different apps. None of it stuck. Here's what finally worked — and why it makes more sense for Singaporeans than any dedicated app.
"Up to 4.1% Interest!" and Other Lies Banks Tell You About Savings Accounts
Every bank in Singapore advertises headline rates that almost nobody earns. Here's how to cut through the marketing, figure out what you'd actually get, and pick the right savings account for your situation.
The Credit Card Traps Nobody Warns You About in Singapore
Every card promises 10% cashback and free money. Here's what the asterisk actually hides — and how to pick the right card without falling for the marketing.
CPF for Dummies: What You Actually Need to Know When You Start Working
Nobody explains CPF properly. Here's a plain-English breakdown of OA, SA, and Medisave — plus the savings account, credit card, and emergency fund moves to make in your first year of work.
Budgeting in Singapore: What Actually Works (After Failing at It For Years)
The 50/30/20 rule sounds great until you're paying $2,800 a month in rent and wondering where your money went. Here's a more honest take on managing money in Singapore.
How Much Should You Have Saved By Your Age in Singapore?
The benchmarks you see online are usually in USD and built for American salaries. Here's a more honest look at what savings by age actually looks like in Singapore — CPF, accessible savings, and all.
If I Had $10,000 to Invest in Singapore, Here's Where I'd Put It
Not financial advice — but a plain-English walkthrough of how a typical Singaporean investor might think about allocating a lump sum today. Global ETFs, STI, REITs, gold, and what each one actually does.