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Showing posts from March, 2018

Adulting starts. ~$2.2k Monthly Household Bills, Referral Codes (MyRepublic, Sembcorp, Circles Life) and $7k top-up to SA

My official adulting started when I moved into my own crib.

Older folks will probably laugh at the Millennials. Yes, I won't dispute the fact that we have been well pampered by our parents. I know very well that despite not growing up in a middle-income family, my mum has spoilt us by doing practically everything for us. For that, I'm super grateful.

So, with the move to my new home comes new responsibilities in the new year. Honestly, it hasn't been that bad living an independent life. Sure I dont get breakfast or hot meals prepared at every meal time, nor things get magically cleaned, I am getting used to this life. I guess that's because I'm not a stickler for super clean house (I can live with organised mess lol and have yet to unpack all my items HAHA), and I have modern gadgets to save my life, such as:
robot cleaner to clean the floor everydayfiltered water so there's no need to boil waterinstant hot waterwashing machine that's on when we reach full …

Disappointing revision to BOC Family Card

All good things always come to an end.

Readers would know I'm quite an advocate of BOC, given it's relatively attractive rebates and interests it has been providing me. Just a few hours ago, I received an sms from BOC informing of the "enhanced" benefits for my Family Card.
From 23 Apr, enjoy 10% cash rebate on Dining everyday (local & overseas) & Movies. Plus, get 5% on Telco bills! Continue to earn 5% for Online, Supermarket, Hospital bills, selected merchants & 2% on supplementary card.  At first glance, I smiled. Dining rebates is now enhanced from 7% to 10%; movies are now included for cashbacks; and enhanced 5% on telco bills! That was until I opened the T&Cs link.

And then I frowned.

The BOC Family Card was my main card for dining spends. With 7% rebates on all dining, with a max rebate of $100, it was the best dining card I could find. Clocking above $500/$1500 on this card also gives me a 0.8%/1.6% interest on my BOC Smartsaver. The best retu…

4D3N Bali travel insurance for $12.05

I'm back! I finally had time for a short breather after days of overtime at night and weekends for work.

I've been complaining to my partner that I badly need a break. An overseas break. I needed to get away from the constant beeping on my phone and away from my work laptop. So, in between my daily commute and lunch breaks, I've been checking out deals for a short getaway.

My budget...below $500 for two for a 4d3n trip. With some luck, I managed to book my Bali trip at <$400 for air tickets and accommodation.

Next up was booking my travel insurance. I was comparing the premiums across the usual insurers when I came across Policypal which offers attractive discounts for travel insurances. On top of that, the incentives for booking through them was a $5 discount on the insurance premiums and 15% cashback!

At the time of blogging, MSIG Traveleasy and Sompo are running up to 60% and 45% discounts for their plans. In the end, I shortlisted Sompo where the initial premium was…

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