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Showing posts from November, 2018

Extremely bad start with UOB One

With the influx of posts on social media re UOB One (psst on grabpay) and the receipt of my house keys, I decided it was the time to sign up for a UOB One account plus credit card.

It was gonna be the best tool for household joint expenses and joint savings.

However, I've faced multiple hiccups that made me VERY frustrated....WHY ME?!
1. Delayed approving process led to losing out of sign up bonus
First, I signed up for the UOB One card and Account in early Oct through Singsaver's promotion. The promotion said that I'd get to enjoy cash incentive for registration + UOB's promotion of $80 cash credit with min $1k spent within 30 days of card approval. Mind you, these terms were stated to end on 31 Oct, extracted below:

S$80 Cash Credit for UOB One Account: Limited to the first 500 new to UOB Deposits customers who either (i) deposit and maintain $5,000 or (ii) credit their salary, into their new UOB account for 6 consecutive months. Terms and conditions of the UOB Online …

Singlife 3% Endowment Plan. Would you sign?

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I was scrolling through FB recently when I saw an ad that attracted my attention.


Reminded me of the FWD 2.02% plan one year ago - which I applied for.
Now Singlife is offering a 3% GUARANTEED plan which last till 30 Nov, at up to $6k: This Single Premium Endowment product’s availability is based on a first-come-first-served basis and is only available for purchase while the acceptance tranche is still open. Singapore Life reserves the right to decline any application that does not fulfil the requirement of a complete application without prior notice, including the invalidity of payment received. (1) The guaranteed maturity yield is 2.20% p.a. and 2.50% p.a. for 3-year-term and 5-year-term respectively. The 5-year-term is only available through our financial adviser partners. During the period between 26 Nov and 30 November 2018, there is a special campaign that gives 3% p.a. guaranteed maturity yield for the 3-year-term and this offer is strictly applicable for one policy per customer…

Protecting myself with GIRO payments

Ever since I started my new work, I've been in a daze.



I've stopped tracking my budget daily. And I even forgot to pay my credit card bills resulting in late charges and interest fees! I was on the verge of tears when I saw late charges of $160 on my two credit cards.

I've no idea what's wrong with me for lacking the discipline to do all these.

What happened to the diligent me tracking every single purchase and tallying it with my credit card bills?

Why do I feel drained after work although this job is less tedious than my previous one where I've been loaded with too much responsibilities that I lose sleep and had acne outbreaks?

However, I realised this is just the start. I've seen 3 resignations in my team within 1.5 months here, and I've been asked if I'm ready to take on some of their portfolios. I'm thinking if it is worth taking on more at the same pay, and then stressing myself all up again?

What exactly should I do?

Also, I realised I don…

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