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Showing posts from 2025

New BFF: Chocolate Finance x Heymax - Earn 2 Max Miles per S$1

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If you've not heard of Chocolate Finance and Heymax, here's the deal: As of 11 Feb 2025, Chocolate Finance is partnering with Heymax to allow 2 max miles per $1 through their Chocolate Visa Platinum Debit Card. We can now earn 2 Max Miles per S$1 spent on virtually everything - charitable donations, education, hospitals, insurance premiums, utilities, and even AXS transactions. What is Chocolate Finance? Chocolate Finance has been my sidekick saving account since Jul 2024 where I placed $20k for 3.3% p.a. on the first S$20,000. So far, I've earned $454.98. Not too bad for an account that allows easy and immediate withdrawal.  What is Heymax? Heymax is a rewards platform that offers Max Miles which can be transferred to various airline (excluding SQ) and hotel programs, making them highly valuable for travelers.  I've been using it for the past year as it helps maximise rewards on my credit cards by recommending the best card to use. Simply key in the cards you have on h...

2025 - year of healing: physically, mentally, spiritually

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I have been feeling stuck for years. 6 years in fact. I felt like I did not live for myself. That I did not love myself enough. I blame my body for its weakness. I blame my overactive mind for giving me heartaches and tears.  I didn't give time to heal. I was chasing against time, against my biological clock. But I missed out taking care of myself. The pursuit for a child seemed like a blackhole. Only pouring in, with no outcome. I am now stopping this journey. Whether it is a pause or a full stop, I am still uncertain. But I know I need to live for myself NOW. Therefore, 2025 is going to be my year of healing. I had this thought nearing the end of 2024 - that I've suffered enough. Sure there were happy moments, but I could not live in the present.  I wish for reborn. 1. Physical Healing I've made steps to better my health.  Due to my frequent indigestions and stomachaches, I've gone for gastroscopy and colonoscopy. Fortunately, the results were not earth shattering. It...

2025 - CPF interest of $13k in

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My favourite activity for each start of the year is checking my CPF interest. And on 1 Jan 2025, I've received the following interest: 2025 will also mark the year where I reach FRS of $213,000. This will mean limited tax relief, unless I've deductions from Medisave that can allow $8k top-up. It will also be the year where I receive my CPF OA used for housing, upon the sale of my flat. That said, the amount will likely channel out to my new home (which I'm still hunting for). Overall, I know 2025 is going to be eventful. It is definite that I will get a new home under my name. While cashflow is tight, I'm proud that I am able to scrap through owning a >1m property by my own. Though, servicing another one under my hubby's name will be a headache. Anyway, we will get there.  Things are looking rosy and 2025 will be a great year for me!