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A balance transfer can be valuable for managing your credit card debt. By transferring your outstanding balance to a new credit card with a lower interest rate, you can save significant money and pay off your debt faster. It can provide much-needed financial relief and help you regain control of your finances. This article explores […]

Retirement is a significant milestone that requires careful planning and financial preparation. In Singapore, where the cost of living is relatively high, it’s essential to clearly understand how much money you’ll need to retire comfortably. Let’s examine the factors that influence retirement savings, estimate the costs, and offer valuable tips for effective retirement planning. What […]

Forget the bright lights of Broadway in New York! Singapore has its own hidden gem, Broadway Plaza. It is a vibrant hub offering much more than just shopping, a delightful blend of experiences awaits both tourists and locals. Get ready to uncover the top five amazing things you can do at Broadway Plaza. Discover Broadway […]

Life can get pretty unpredictable. Sometimes, you might find yourself in need of quick cash, but your savings is not enough. You may have thought about taking up a loan from the bank, but what if you can’t get across the red tape? The paperwork, the waiting period, and the anxiety of not knowing whether […]

Taking best personal loans in Singapore from money lender can be something worth considering. This is essential to help you reach your financial goals. Before applying for a low interest personal loan in Singapore, let’s explore more about it. Let’s find out whether or not it can cater to your needs and help you achieve your […]

Are you short of funds and planning to borrow from the best licensed money lender in Singapore? But before that, you must first understand the things to consider before borrowing from the best licensed moneylenders in Singapore or credit companies. Paying off bills and expenses without any assistance can be really challenging, especially when you’re […]

Today, you can take advantage of various enticing credit card deals that offer benefits like bonus miles and up to 10% cashback. These deals can maximise your financial benefits and transform each transaction into a rewarding experience. Despite these benefits, you must pay your credit card account on time. Just like with other types of […]

The cost of living is high in Singapore. There are times when we inevitably run into money problems and need cash to tide over difficult periods. For some, it could be money needed to last until their next payday, more money for their wedding, home renovation, or for a financial emergency. According to the Credit […]

Are you in the Buangkok area and looking for a shopping mall with a wide range of activities to offer? There is no need to shop around because Buangkok Square Mall provides everything you need. It’s a one-stop mall ideal for anyone at any age. Therefore, keep reading this guide to find out the exciting […]

Whether you’ve taken a personal loan before or not, interest rate is a term you’re sure to have heard of. But did you know there are usually 2 types of interest rates when you take out a loan? There’s the advertised rate, and the effective interest rate (EIR). So why are there 2 interest rates […]

Looking for a spot that’s got everything—shopping, learning, staying fit, and good times—all rolled into one? Grantral Mall is the place to be. It’s not just your average shopping space; it’s the heartbeat of MacPherson, Singapore, catering to folks from the MacPherson estate and Bidadari estate. When you step into this mall, you’ve got the […]

When we’re short on cash, most of us will consider borrowing from friends and family members. However, if you don’t want to trouble them, how about taking a personal loan instead? A personal loan is a lump sum of money borrowed from a bank or licensed money lender. You’ll need to pay it back over […]

Have you thought about using the value of your home to get the cash you need? Think of it as tapping into the money you’ve already invested. Home equity loans or cash-out refinancing in Singapore let you do this, and there’s no need to sell your property. But before understanding how this loan works, let’s […]

Encountering financial difficulties, whether due to unexpected expenses or a job loss, can lead to challenges in paying off credit card bills. This might prompt the question: “What can I do if I’m unable to pay my credit card bill?” Failure to clear credit card bills can result in escalating debt. It’s crucial to understand […]

Singapore is the most expensive city in the world to live in. This is extremely daunting for the average person who is struggling to make ends meet. With the rising cost of living, unexpected expenses can easily throw off anyone’s budget. When emergencies pop up, needing cash right away can feel super stressful. This is […]

As Singapore is known for the most expensive city to live in, it is vital to know your gross monthly income as this is the key on how you can manage your money. It refers to the total amount you earn before taxes and other deductions are taken out. This includes your base salary, any […]

Marsiling Mall is one of the oldest shopping malls in Singapore, known for its charming vintage architecture and quaint shops. This mall may not have the glitz of Orchard Road, but it’s filled with the heart and soul of Singapore’s everyday life. For visitors, Marsiling Mall offers a peek into the real Singapore, away from […]

With the reputation that loan sharks in Singapore have, most of us wouldn’t want to deal with them in the first place.   But perhaps desperate times have called for desperate measures. You needed money during a time when no bank or financial institution was willing to offer you a personal loan. With limited options to […]

Ever wondered what affects your loan applications? Or why some of your credit card applications were rejected?  It’s likely because of your credit score. A bad credit score can affect your applications for personal loans and credit cards. But what’s a credit score? How do you check it, and how can you improve your credit […]

From January 2020 to May 2020, there have been 1,481 applications for bankruptcy in Singapore and 404 orders made — a significant number considering the short 5 months span.  Bankruptcy, in short, is when you owe more than you can afford to pay. There are also a number of technicalities involved. Filing for bankruptcy in […]

Perhaps it’s a time right now when you require extra financial support for your needs—for an emergency, for a dream vacation for you and your partner, or even for a plan to move forward and venture out of your comfort zone. However good your reasons may be, you may have faced problems having your personal […]

Whether it’s buying that dream HDB flat, sending your kid to a good school, or starting your own business, sometimes personal loans are the way to go. But remember, loans aren’t free money, got interest to pay one! Which is why this article on how to calculate interest rates for loans is useful for anyone […]

Not many Singaporeans know about credit counselling. Mention “credit counselling” to people, and you’re more likely to be met with blank stares. Explain that it’s about discussing debt management with a financial counsellor, and they might reel away in shock. The topic on debts is often so private that most people shy away from the […]

If you’ve used your CPF Ordinary Account (OA) to buy a home in Singapore, you’ll need to repay the withdrawn amount along with accrued interest when you sell the property. This accrued interest compounds annually at 2.5%. This guide will delve into the specifics of CPF accrued interest and present methods for effectively paying it […]

Proactively monitoring your credit report is a smart and responsible financial habit you should build. This helps you detect fraud and errors, as well as verify the accuracy of the information reported to credit bureaus. With numerous resources that you can take advantage of, it’s possible to get a free Credit Bureau Report in Singapore. […]

Two of Singapore’s most popular mobile wallets, PayNow and PayLah, are transforming the way we manage our money and make payments. Both provide easy cashless transactions, but their features and functions are different. This guide will cover the key differences between PayNow and PayLah, highlighting their unique features and assisting you in selecting the one […]

Planning to have a trip to Woodlands and looking for a favourable exchange rate solution? Do not worry! The same with licensed money lenders, Woodlands has several legal money changers with competitive rates. To maximise the value of your foreign currencies and manage your options, this guide will provide necessary information and advice on local […]

Thinking about borrowing money in Singapore? Loans such as personal loans can help you start a business, buy a car, or finance your dream home renovation. And there are two main options: collateral and non-collateral loans. Collateral loans require you to put up something valuable, like a house or car, as security. If you can’t […]

Owning a credit card in Singapore has a lot of perks. It offers a convenient way to purchase online or in person. Even if you’re short on cash for the month, you can still purchase big-ticket items or gadgets that you want since it allows you to buy now and pay later. Moreover, some of […]

For many Singaporeans, motorcycles are the most convenient mode of transportation. Not only is it significantly more affordable compared to cars, but it’s also more convenient to maintain. That said, not everyone can pay for a motorcycle upfront – either you still haven’t saved up enough money or just don’t want to touch your savings. […]

Are you cash strapped and in need of extra credit for your big-ticket purchases? Are you considering increasing the credit limit on your credit card or unsecured loan but aren’t sure how to? In this article, we will share with you everything you need to know about increasing your credit card limit in Singapore. We […]

Getting a loan from a money lender in Singapore might be nerve wracking for some. When most think of money lending, they think of a pig’s head hanging by their door or that ‘O$P$’ red paint on the corridor.  However, loan sharks and licensed money lenders in Singapore operate very differently.  Let us look at […]

Elias Mall is a hidden gem that is nestled away in Pasir Ris, and those who are wanting to explore the East side of Singapore should not miss out on the opportunity to visit it. Although this retail complex may not be as well-known as the shopping belt along Orchard Road, it is packed with […]

Navigating around personal finance is something interesting, especially if you’re curious whether personal loans are subject to taxes. If you’re wondering if personal loans are taxable in Singapore, rest assured – we’ve got you covered. In this article, we are going to discover whether personal loans are subject to taxes. Moreover, let’s find out whether […]

Getting married is a huge milestone in every couple’s life. But let’s be real: weddings can be expensive. Choosing the perfect place to say “I do” sets the stage for the whole celebration, and it impacts your budget big time. With costs changing due to inflation, it’s smart to be extra budget-savvy about your location. […]

Whether it’s to buy a first home or pay for education, most of us probably need to take a loan at least once in our life. However, not all loan applications can turn out successful. If you’ve applied for a personal loan in Singapore before but got rejected, it could be due to your credit […]

Do you have any renovation plans for this year? If so, the Housing and Development Board (HDB) may require you to secure an HDB renovation permit. You need to secure this permit to guarantee that your renovation project is safe and complies with the current regulations. Also, this will ensure your safety during the renovations, […]

With its many shops, wide walkways, and open areas, Singapore’s Alexandra Retail Centre, often known as ARC Mall, provides an enjoyable shopping environment for all of its visitors. There is something for every customer in this vibrant mall. There are numerous dining options available at this mall for quick bites, breakfast, lunch, and dinner. Furthermore, […]

There are several choices when it comes to looking for the best money changer in Pasir Ris, just like finding the best money lender. However, before heading to a money changer in Pasir Ris, whether you are a local or a tourist, it is vital to know how to find a reliable money changer that […]

Your wedding day is probably the most significant milestone as a couple. It’s a momentous and joyous occasion, where family and friends come together to celebrate the love and union between the two of you. How would taking out a personal loan in Singapore come into the picture? Well, every couple dreams of having that […]

Most of us dream of having the perfect wedding with our significant other. We want to make the day perfect to celebrate our love for our partner with our family and friends. However, planning a wedding can be stressful. Not only do you have to decide on the location, settle the most minute details, and […]

Singapore’s a fantastic city, but let’s be honest – it can be tough on your wallet! Even with a decent paycheck, those living costs add up fast. But don’t worry, this post is all about changing that. We’ve got a bunch of tips to help you save, even if you’re not rolling in cash. You […]

If you need extra cash but want the flexibility to use it when you really need it, a line of credit might be helpful. Think of it like a credit card with a ‘tap’. Once approved, you can spend up to that limit. It’s perfect for those home improvement projects you’ve been eyeing or when […]

Bishan, also known as Bishan New Town or Bishan Town is among the mature residential towns in Singapore. It is an urban planning area that is situated in the central region of Singapore and encompasses a total area of 743 hectares. Due to its size and the fact that it is one of the more […]

Ang Mo Kio, situated in the northeastern region of Singapore, derives its name from Hokkien, translating to “red-haired man’s bridge.” As a planning area and residential town, Ang Mo Kio is located approximately 11 km north of the Downtown Core district. Positioned at the south-western corner of the North-East region, it shares borders with Yishun […]

Picture yourself in this situation: after taking a personal loan for an urgent need or a significant life event, you’re now eyeing your dream home. Because of this, you find yourself facing a common problem experienced by many Singaporeans – balancing dreams and financial commitments. As you weigh your options, understanding the intricacies of managing […]

Singapore’s northeastern residential district, Hougang, borders Punggol to the north, Upper Serangoon Road to the south, Sungei Serangoon to the east, and Yio Chu Kang to the west. As of 2015, over 51,000 housing units are Hougang New Town, Singapore’s largest public housing estate by land area. This self-sufficient community has several amenities nearby and […]

As one of Singapore’s premier subzones, Ubi is a hub of economic activity. From the moment you step onto its streets, you are instantly surrounded by a multitude of shops, restaurants, and office buildings. In an area like Ubi, the need for financial support should be as diverse as its residents and workers. That’s where […]

If you’re facing some kind of financial difficulty, getting a personal loan in Singapore could help improve your situation. Whether you choose to borrow from a bank or a licensed money lender in Singapore, you have a decision to make: you’ll need to decide whether to take out a secured personal loan in Singapore or […]

With the lure of credit cards and their rewards (think airmiles, cashback, free luggage), many Singaporeans end up with large credit card debt. Swiping the card is so easy and convenient, that many fall into the endless debt trap. If you find yourself struggling to make timely credit card and personal loan repayments in Singapore, […]

Bedok is known for its incredible community, but it is also a place where unexpected financial needs can arise. Be it for an unforeseen medical expense, a sudden business requirement, or a personal emergency, the traditional banking route’s complex procedures and strict criteria may not be enough for the average Bedok resident. This is where […]

Sometimes, unexpected events are bound to happen where you need money right away. These emergency situations are unavoidable. If you are in Singapore’s retail heart, which is Orchard Road, you might be looking for some quick options where you can borrow money. However, borrowing from a friend or a relative may not always be a […]

Have you ever felt trapped in a debt cycle? If so, you already know that it can take its toll on your life and relationships. Borrowing can be an addiction that causes harm not just to your finances, but also to your well-being. If you need a way to break free from this compulsive behaviour […]

As your family grows, you might plan to buy a bigger property and sell your existing home. As you are still in the process of selling your property, your funds may not be enough. Your savings might not be enough to cover the expenses of buying a new home. Moreover, borrowing from family members or […]

When it comes to home renovations, choosing your contractor can make or break the entire project. Contractors manage projects, coordinate with skilled workers, and monitor that the renovation work is completed on time and within your budget. Considering its importance, picking out the affordable and reliable contractor is something you shouldn’t take lightly especially because […]

Jurong East is a small yet vibrant neighbourhood in Singapore. This is among the places in Singapore that boast attractions like the renowned Jurong Bird Park, home to over 3500 birds, and the Singapore Discovery Centre. Delight in family-centric amenities, such as KidSTOP at the Science Centre, a dedicated play zone offering various activities and […]

Ever heard the term “instalment loan” thrown around but wondered what it means? Don’t worry, you are not alone. Borrowing can definitely be overwhelming at times, especially when you encounter unfamiliar terms and concepts. However, understanding the ins and outs of instalment loans is essential for anyone seeking financial assistance in Singapore. To better understand […]

Sometimes, we may face financial emergencies or require quick cash for unexpected expenses. In these challenging times, borrowing from a moneylender can be an ideal way to get the needed funds. However, before taking out a loan, it is vital to understand the interest rates and fees that private moneylenders can charge in Singapore. In […]

The past few months have been difficult for many people in various industries. Most businesses, especially in the service industry, have been badly affected by the COVID-19 social distancing measures. Taking a personal loan in Singapore is one option to get through this tough time.  Ever since the outbreak began, less people have been going […]

The priciest thing you can buy in Singapore is probably your home. Even if you don’t mind a rugged aesthetic, minimalistic, or industrial look, basic renovation is still necessary for installation of electrical endpoints, tilework, paintwork, and so on.  If you’ve done the maths, you’ll realise that renovations can cost an arm and leg. However, […]

Are you going through an emergency that requires quick cash? Then you might want to consider getting an instant cash loan in Singapore. Getting an instant loan can help to solve your urgent financial needs. Since you can get them fast, you’ll be able to solve your issues as quickly as possible.  How do you […]

Whether you need a helping hand to achieve a resolution you’ve set for the year, or you’re in urgent need of money, getting a personal loan in Singapore from a licensed moneylender may come in handy.  But before you apply for a personal loan in Singapore, here are some important things that you need to […]

It is tough sometimes when we land ourselves in unexpected situations that require immediate financial assistance, such as medical emergencies or investment opportunities. At times like this, taking out a personal loan in Singapore could be a viable option to ease your financial burden.  A personal loan is a type of unsecured loan that does […]

Despite the government’s provision of a tuition fee grant, the cost of tuition continues to rise annually. In fact the average annual education inflation rate in Singapore was about 2.86% for a 20-year period (2002-2022). Moreover, it was reported that the school fees will increase from 2024 to 2026 for PR and international students. So, […]

If you often find yourself living paycheck to paycheck despite your best budgeting efforts, you’re not alone in this situation. Overspending is a common challenge that many individuals face. No matter how meticulously you track your expenses, the temptation of impulse buying might occasionally mislead us. The fact is that since we are all imperfect, we […]

Now that you’ve collected the keys to your new home and browsed countless web pages for decor inspiration, it’s time for the next step. Imagine, after a long day at work, going back to a home that’s furnished and personalised just the way you like it. Isn’t that exciting? That is until you realise the […]

Credit cards have a lot of benefits. Not only do they boost your spending power, but they’re also very convenient since you don’t need to keep drawing and carrying cash. However, for the convenience they offer, you run the risk of incurring high interest and accumulating debt quickly. What should you do when you find […]

When we need cash, some of us consider taking personal loans to get through the tough period. Unfortunately, it can be difficult to get a personal loan in Singapore when you’re unemployed.  Don’t worry, though. There are alternatives to personal loans in Singapore that you can take up, even if you’re unemployed. This article is […]

Have you ever found yourself struggling in debt, with no one to turn to, and all hope seems lost? In those situations, where can you get help? Well, there’s an answer for that: credit counselling. It’s alright if you don’t really know what it is. Not many Singaporeans are familiar with the concept of credit […]

Something sudden happens and you find yourself in urgent need of cash. You might be considering borrowing from the bank, but they might take a long time to approve your loan. So, you start looking for alternatives to get a fast loan in Singapore. When it comes to getting quick cash in Singapore, 2 options […]

Just collected the keys to your new house? Buying a house is most likely the largest purchase in your life. After getting the keys, you’ll want to renovate it to turn it into your dream home. In this article, we look at renovation costs, what affects it, as well as financing options like a renovation […]

It’s never a nice feeling being rejected for anything, especially when it comes to a personal loan application. If you’ve ever been in this position before, you will know how discouraging this can be. So, why are personal loan applications in Singapore rejected? And what can you do to avoid it happening to you? Keep […]

Personal loans and credit cards are two popular credit options in Singapore. For instance, if you are short of cash to pay your monthly bills, getting a personal loan in Singapore or paying through your credit card can be a viable option. Both provide easy access to money when in need but getting a personal loan can […]

Commonly known as “ah longs” in Singapore or unlicensed moneylenders, a loan shark is a person or entity that lends fast and easy money at sky-high interest rates. These interest rates are typically far above any established legal rates.  They are infamous for their harassment tactics and threats of violence as a means of forcing […]

Life is always unpredictable, and there may be times when you need to take up a loan to tide through unexpected financial difficulties. It could be medical emergencies, debts, bills to pay, or simply urgent cash needs. And if you’re unemployed, getting a personal loan in Singapore can be difficult. In Singapore, banks and financial […]

If you’ve ever found yourself in a tight financial spot and have considered borrowing from a loan shark in Singapore, think twice. There are many risks involved when you borrow money from an unlicensed money lender like a loan shark. This includes high processing fees and interest rates, and continuous harassment to you and your […]

Maybe you’ve already been sitting on the idea of taking the plunge into the world of short-term courses. Whether it’s learning a new design software or discovering a different industry, short-term courses are all the rage for both working professionals and students alike to upgrade their skills. But maybe you’re hesitant because of many factors, […]

Filing for bankruptcy in Singapore can stir up feelings of stress, anxiety, depression, and failure. Let’s face it, the process of filing for bankruptcy is also a tedious affair combined with the social stigma that comes with it. So before you decide to file for bankruptcy, why not consider other alternatives that are more desirable […]

Besides being symbolic of financial independence and adulting, owning a credit card is a great way to earn rewards and cashback on your spending as long as you pay your bills dutifully every month. But what if you’re unable to pay your bills on time? With sky-high interest rates and a few late payment fees, […]

In a world where everything has its price, your dream of travelling the world can seem far and out of reach. Especially when you have daily expenses to account for and pressing bills to pay. Travelling can be expensive. However, the experiences you gain and memories forged from travelling is oftentimes invaluable. Though travelling can […]

Have you been toying with the idea of taking a good break for a while? And when we mean a break, we mean a good, quality break that’s going to give you a good reset. Maybe it’s been something on your mind for a while now but you haven’t gotten around to it because it’s […]

According to Robert Kiyosaki, a successful businessman and author of Rich Dad Poor Dad, continuous learning is the key to getting rich. If you want to be successful in life, you need to have the right attitude, the right mentality, and seek continuous learning. Even after graduating, you should continue to upgrade your skills, which […]

Your wedding day is undoubtedly one of the most important days of your life. If you’ve been saving diligently after meeting “the one”, kudos for planning in advance! However, it may be the case that your savings still aren’t enough to cover the costs of your dream wedding.  To help you along on your journey, […]

It’s always good when we receive a heads up before something happens, so that we can prepare for it.  But that doesn’t happen all the time. You can never predict when something unexpected crops up, and when you need extra cash urgently. In such times, a personal loan can be a viable option.  Types Of […]

We’re often told to continuously upgrade our skills because we need to stay relevant in times of changing needs. And one way to do that is through taking up courses. Plus, doing so can be helpful when we choose to switch careers. But taking up courses in Singapore can be quite expensive. For instance, a […]

Looking to purchase a home, car, or paying for that dream wedding? High costs of living in Singapore can make that hard to achieve. In fact, taking on personal loans to make those dreams a reality is not uncommon. Before applying for a loan, you should look at a few key considerations banks and financial […]

Getting married, buying a home, or furthering your studies are major milestones in life. And these milestones usually come at a hefty price. Remaining debt-free becomes increasingly difficult as you move up the different stages of life; the last thing you want is to be trapped in a financial emergency. Turning to loved ones or […]

Some of us encounter financial difficulties at different junctures in life. In such situations, borrowing from lenders like banks or licensed money lenders in Singapore would be among the available options to help get you back on your feet. Whether you borrow from a bank or licensed money lender, you’re of course obligated to make […]

Whether it’s taking out a loan to renovate your brand new home or financing an unexpected medical emergency, there may come a time when you need some financial assistance. Taking out a personal loan to fund such expenses is a common option.  As a borrower, you’re usually faced with 2 main options: a bank or […]

Have you ever found yourself stuck against a wall financially? When you have so many bills to pay, then suddenly, you or someone you know gets into an accident or gets sick. You are then overwhelmed with bills and the debt you need to pay, and the money you’ve saved or earned just isn’t enough […]

Personal loans can seem like a mystery. What are they? When should you take them? How do you go about applying for personal loans in Singapore? A personal loan is a lump sum of money borrowed from a bank or licensed money lender, which you have to pay back in instalments (fixed payments) over a […]

Getting married and buying a home are some of the most significant milestones and expenses you’ll incur when adulting. The last thing you want is to be strapped for cash. When that happens, most people think of borrowing money to tide them through the rough patch. You’re usually faced with two choices – should I […]

It’s pretty common to take up a car loan and/or a housing loan, especially since it’s costly to own a car and a home in Singapore. But when it comes to taking a personal loan in Singapore, it’s usually perceived as the result of poor financial management.  Depending on the circumstances, taking a personal loan […]