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Showing posts from April, 2018

PSA - Free staycation for $400 spend plus $50 credit?!

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Fancy a free staycation at M Social Hotel and a $50 credit? 
If you signed up for the FRANK credit card, you'll get the $50 rebate and receive a free staycation with $400 minimum spend.
The last I had a FRANK card was years ago. Back then (think 2012), FRANK account was suitable for undergraduates with their attractive interest rates and customised credit card designs. Their FRANK card was awesome as I recalled a 5% online rebates with low minimum spend.
As usual, good things don't last. When FRANK account offered pathetic interests compared to other salary crediting accounts and their FRANK credit card became unattractive due to it's minimum $400 offline spend to start clocking rebates, I cancelled it immediately.
Until recently when I spotted this:

The credit card still sucks but by spending $400 for a free staycation? Count me in! Furthermore, I received a $50 credit by signing via myinfo which is effectively a 12.5% rebate!

Take note that the free stay is not the loft…

Q1 review - Hitting $150k in cash savings

April. Rejoice!

Last time this year, I blogged about how this is the most anticipated time of my work year.

These few months, I was so busy that I even overlooked the news of my HDB ballot number. And when I heard about my promotion, I wasn't particularly excited. I was so mentally exhausted that I question, is this all worth it?

But today, I'd like to remind myself. That this too shall pass.

I'm still facing shit at work. I still feel incompetent and stress when I can't seem to get things done. I still can't sleep well some nights. But when I sat down and think about the decent bonus, promotion and the ~10% increment I received, I thought to myself, there are no free lunches in this world. At least, I was appreciated by my bosses. I look around my peers and some much older were bypassed for promotion. Even when things are tough, I must pull it through.

Unless I win the $8 million TOTO today ;)

Anyway, I had just ran through my finances and am pleased to see that I…

My 10 credit cards and which to say goodbye to 😢

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I know I've loads of credit cards. But it scares me a little to know that I've a total of 10 cards after tabulating the below. Guess it's timely to do a review of the cards I have so I know which to use and which to say byebye to!
Here's the summary of my 10 credit cards and which to say goodbye to:
To keep 1. SC Manhattan - to keep for big ticket items (note: card is no longer available for application)
2. SC Unlimited cashback - no min. spend to keep for 1.5% cashback on all spends
3. SC Spree - to use for contactless spends (2%); no min spend, max spend $3000

No minimum spend and up to $60 rebate. Earn 2% cashback on all online spends in local currency, all contactless and mobile payments. Earn 1% cashback on all other retail spends.
4. BOC Sheng Siong - to use for Sheng Siong spends (no min spend, 7% rebate, max spend: $700)Cash RebateSpend CategoryCondition7%Sheng Siong Spend• No minimum spend
• Cash rebate capped at  S$70 per billing cycleAdditional 5%Sheng Siong S…

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