caleb

Articles by Caleb Leong

Travelling the world and getting involved in cross-cultural works is Caleb's passion. Freelance digital marketing and content writing is a way for him to express himself creatively while earning his keep. He unwinds by diving into a variety of music genres. Living in a digitally disrupted world, he'd like to offer a different perspective on finances to show people the possibilities of what goes beyond a typical “Singaporean life”.

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Invest
Making Your Money Work: A Guide to Best T-Bill Alternatives for 2025
The days of T-bills as a high-returns option seem to be behind us (at least for now). After enjoying yields of over 4% in 2023 and staying strong throughout much...
6 days ago
everyday situations to test your mobile plan.gif
Budgeting
Can Your Mobile Data Keep Up In 2025? 10 Everyday Situations That Test Your 5G Plan
Is your mobile data plan fast enough? Your phone says 5G, but your stream buffers the minute the MRT enters a tunnel. You’re at a concert with full bars, but...
should i invest in t-bills in 2025
Invest
Latest 6-Month T-bill Auction Closes at 1.44%: Should You Still Invest in 2025?
In an investment landscape where stock markets swing with global headlines and bank deposit rates shift with policy changes, Singapore Treasury Bills (T-bills) remain a safe, no-frills option. Their short...
6 days ago
top t bill questions singapore
Invest
Top 12 Questions about T-Bills in Singapore When Yields Are at Rock Bottom
The times have changed. Not too long ago, everyone was queuing up for T-Bills when yields hit 3.7% in mid-2024. Fast forward to Aug 2025, and the latest 6-month T-Bill...
11 September 2025
ig markets cfd trading invest
Invest
Waiting For The Market To ‘Recover’? Some Investors Aren’t Waiting At All
Tariff news, ongoing conflicts, and the possibility of a recession still loom, making the markets now grumpier than my cranky teething baby. While at least they don’t scream as loudly,...
multi leg options
Invest
What Are Multi-Leg Options—and Why Are Traders On It?
When I first saw the term “multi-leg options”, my mind went to a three-legged race or a funky tap dance—certainly not trading. But in the world of options trading, having...
Smart home wall system, phone and woman with digital monitor for house automation, air conditioning or safety security network.
Budgeting
5 Smart Home Upgrades That Actually Save You Time (and Sanity)
A smart home isn’t about showing off to guests. It’s about never having to mop at 10 pm on a Sunday. Between work deadlines and social commitments, the last thing...
an asian chinese teenager girl on her wheelchair in the hospital ward surfing the net using her mobile phone and photo text messaging
Healthcare
CareShield Life Guide 2025: What It Is & How to Make the Most of It
Earlier this week on 27 Aug 2025, the Government announced that CareShield Life payouts and premiums will be increasing from 2026. On one hand, this means higher monthly support if...
28 August 2025
Man leaping over 1Gbps
Budgeting
Best Fibre Broadband Singapore 2025: Singtel vs Starhub vs M1 vs Others
Picture this: It’s 2025, and you’re unwinding at home after a long day, ready to binge the latest episode of Single’s Inferno. Just as things are about to get spicy,...
21 August 2025
should i buy used car singapore
Car Loans
Should You Buy a Used Car in Singapore? Pros, Pitfalls & Price Comparisons
With Certificate of Entitlement (COE) premiums breaking records soaring and brand-new cars now costing over $180,000, buying second-hand might seem like the smart way forward. For many first-time buyers, the...
25 July 2025
buy secondhand car singapore guide
Car Loans
How to Buy a Used Car in Singapore: Dealers, Platforms, & Private Sellers Explained
In Singapore, buying a used car starts with cost comparisons, although that is only the beginning. From the Certificate of Entitlement (COE) cycle to financing and seller reliability, each step...
24 July 2025
retirement planning cpf singapore
Budgeting
CPF Retirement Planning 2025: How to Maximise Your Retirement Income
Only 34% of Singaporeans feel confident about their retirement plans—and 1 in 4 haven’t even started. This goes beyond personal finance. Without a solid plan, the weight of retirement often...
21 July 2025
CPF Changes in 2025–2026: What’s New, Who It Affects & What You Should Do Now
Budgeting
CPF Changes in 2025–2026: What’s New, Who It Affects & What You Should Do Now
Big changes are coming to CPF in 2025—and they go beyond routine updates.  From the closure of Special Accounts for over 1.4 million members to raise salary ceilings and expanded...
21 July 2025
young sheldon saying nope
Health Insurance
Health Insurance Shake Up: Why More Are Dropping Private Hospital Coverage
In Singapore, choosing the right health insurance plan isn’t just a checkbox—it’s one of the most personal (and costly) financial decisions we make. For years, Integrated Shield Plans (IPs) with...
10 June 2025
sg60 baby gift guide
Budgeting
SG60 Baby Gift: What to Expect if You’re Expecting
Expecting a baby in 2025? You’re in for quite a treat! As Singapore celebrates its 60th birthday, the government is rolling out the red carpet for our youngest citizens with...
4 June 2025
debt consolidation plan
Personal Loans
How Much Could You Save by Consolidating Your Debts?
Debt consolidation isn’t just banker jargon—it’s a smart, straightforward way to simplify your finances. By rolling your loans and credit card balances into a single payment with one interest rate,...
9 May 2025
woman holding credit card and saying cough up with her hand gesturing
Personal Loans
Why Paying Minimum on Credit Cards May Cost You In the Long Run
Credit cards are an ubiquitous part of our lives, and still remarkably relevant in Singapore, even amidst the rise of e-wallets and other digital payment methods. It’s not uncommon to...
7 May 2025
Singapore Government Payouts to Expect for the Rest of 2025
Budgeting
Singapore Government Payouts to Expect for the Rest of 2025
Did you hear? The government is giving away money to Singaporeans again. This time isn’t another small handout. Budget 2025 is packed with financial support for every Singaporean. “A budget...
28 April 2025
Cheapest SIM-Only Plans in Singapore 2025—Circles Life, MyRepublic, Zero1, SIMBA, Changi Mobile & More
Budgeting
Cheapest SIM-Only Plans in Singapore 2025—Circles Life, MyRepublic, Zero1, SIMBA, Changi Mobile & More
Tired of being locked into a long-term phone contract? Yeah, same but worry not—I bring the solution to our problem: SIM-only plans. SIM-only plans offer a breath of fresh air for...
7 April 2025
wechat alipay mobile payments
Travel
How to Pay in China Like a Local: 2025 Guide for Foreigners and Tourists
If you’ve ever tried to pay with cash in China and been met with a blank stare—or worse, held up a line while the cashier scrambled for change—you’re not alone....
1 April 2025
tiq by etiqa travel insurance review
Travel Insurance
Tiq by Etiqa Travel Insurance Singapore—MoneySmart Review (2025)
Last year, I heard a travel story that I thought was too good to be true. My colleague told us the tale of how her brother-in-law had had his flight...
26 March 2025
personal loans versus credit cards
Personal Loans
Personal Loans vs. Credit Cards: The Ultimate Guide for Singaporeans
Financial surprises are like a plot twist in your favourite movie. You know it’s coming, but still they catch you off guard. Whether it’s a last-minute car repair, an unexpected...
24 January 2025
What is Halal Investment? A Guide to Singapore’s Buzzing Islamic Finance Scene
Invest
What is Halal Investment? A Guide to Singapore’s Buzzing Islamic Finance Scene
As the financial hub of Southeast Asia, Singapore’s constantly making strides in different arenas—for one thing, did you know we’re ranked the best business environment in the world again, for the...
22 January 2025
maybank horizon visa signature card moneysmart review
Credit Cards
Maybank Horizon Visa Signature Card—MoneySmart Review 2025
While other banks promote their credit cards from the rooftops, Maybank lets its products speak for themselves. The Maybank Horizon Visa Signature Card has been quietly making an impression with...
6 January 2025
Dark haired man in blue space suit says rejected
Personal Loans
What To Do If My Personal Loan Gets Rejected? Key Things Singaporeans Need to Know About
Living in a first-class city like Singapore has its perks. While this life comes with convenience and infrastructure, the upkeep is one of the most expensive in the world. Whether...
26 December 2024