clara-lim

Articles by Clara Lim

I used to be MoneyDumb. I hung out at H&M every day and thought that a $50 lunch set was a good deal. These days, I spend my time researching the crap out of life and trying to maximise utility on micro-decisions. I'm not sure if that's an improvement.

10 Ways to Reduce Your Personal Income Tax in Singapore for YA 2027
Budgeting
10 Ways to Reduce Your Personal Income Tax in Singapore for YA 2027
How much income tax will you pay for YA 2027? Find out with our Singapore income tax rate table, plus 10 legal ways to shrink your tax bill.
10 March 2026
Cheap Gyms in Singapore (2026): 10 Gym Memberships Under $100 a Month
Fitness & Beauty
Cheap Gyms in Singapore (2026): 10 Gym Memberships Under $100 a Month
Here are the cheapest gym membership fees in Singapore, from ActiveSG and SAFRA EnergyOne to Arc Move and Anytime Fitness. Updated for 2026.
30 December 2025
Top 8 Telemedicine Apps in Singapore (2025)
Healthcare
Top 8 Telemedicine Apps in Singapore (2025)
Heard of telemedicine apps like Speedoc and WhiteCoat? Here's how much they cost compared to regular GP clinics, and what each app offers.
1 April 2025
Retirement Planning in Singapore: A Starter Guide for Confused Millennials and Gen Zs
Budgeting
Retirement Planning in Singapore: A Starter Guide for Confused Millennials and Gen Zs
When you think “retirement”, do you imagine travelling the world or cruising on your own yacht? Sorry, but retirement in Singapore isn’t quite as cush...
27 September 2024
JR Pass Singapore—The Ultimate Guide to Japan Rail Pass Types & Prices (2024)
Travel
JR Pass Singapore—The Ultimate Guide to Japan Rail Pass Types & Prices (2024)
There are some Singaporeans who travel to Japan so much that the names of obscure Japanese onsens and izakayas roll off their tongues like smoother th...
6 May 2024
CPF LIFE: The Complete Guide to Payouts, Plans & Minimum Sums in 2024
Budgeting
CPF LIFE: The Complete Guide to Payouts, Plans & Minimum Sums in 2024
Planning for retirement in Singapore? Then you need to know the ins and outs of the CPF Life scheme. Plus, learn about CPF Life vs. private annuity plans.
6 May 2024
Singapore Inflation Rate 2024—What Is It and Why Does It Matter?
Budgeting
Singapore Inflation Rate 2024—What Is It and Why Does It Matter?
OK, confession time. Even though I know that Inflation is Very Bad and I should do all I can to stay ahead of it, I must confess I haven’t a clue what...
16 April 2024
13 Best Delivery Services in Singapore in 2024: Cheapest Fees to Fastest Deliveries
Budgeting
13 Best Delivery Services in Singapore in 2024: Cheapest Fees to Fastest Deliveries
We compare the cheapest and fastest delivery services in Singapore including SingPost, NinjaVan, Grab Express, Pandago, Qxpress, and more.
24 March 2024
15 Best JB Shopping Malls: European-Aesthetic Mall, Retail Park With Mega Bookstore, And More
Shopping
15 Best JB Shopping Malls: European-Aesthetic Mall, Retail Park With Mega Bookstore, And More
Regardless of race, language or religion, Singaporeans love to do our festive shopping across the border in Johor Bahru (JB). Whether you're buying Ch...
17 December 2023
Cheap Guide to Johor Bahru: Where to Go and Best Things to Do in JB (2023)
Travel
Cheap Guide to Johor Bahru: Where to Go and Best Things to Do in JB (2023)
Judging by how many people read and shared an earlier article on how to get to JB by train, I’m guessing Johor Bahru still remains as popular a weeken...
14 December 2023