claralim

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.

Best Credit Card Promotions (December 2021): Apple Airpods Pro, Apple iPad 64GB, ErgoTune Classic Ergonomic Chair & More
Credit Cards
Best Credit Card Promotions (December 2021): Apple Airpods Pro, Apple iPad 64GB, ErgoTune Classic Ergonomic Chair & More
I have to admit, I absolutely love credit card promotions. These days, banks offering the best credit cards in Singapore compete so hard for new customers that they practically rain Apple products,...
2 days ago
cheap courier delivery service singapore
Budgeting
9 Best Courier Services in Singapore With the Cheapest Delivery Fees
Whether you’re a power Carouseller or running a fledgling e-commerce business, finding the right delivery or courier provider can be a headache. While we no longer need to rely on...
24 November 2021
POSB Everyday Card – MoneySmart Review 2022
Credit Cards
POSB Everyday Card – MoneySmart Review 2022
The POSB Everyday Card looks like a plain ol’ auntie card, but don’t be fooled by its ho hum exterior. It’s actually one of the best cashback credit cards for...
24 November 2021
UOB One Credit Card
Credit Cards
UOB One Card – MoneySmart Review 2022
The UOB One Card is hands down UOB’s favourite entry level credit card – especially for those with a UOB One account too. The credit card owes its fame to...
22 November 2021
Citi Cash Back Card Review
Credit Cards
Citibank Cash Back Card – MoneySmart Review 2022
The Citibank Cash Back Card is one of the most eye-catching cashback cards in Singapore, promising up to 8% cash rebate (huat ah!) on everyday spending categories. In contrast, the average cashback...
11 November 2021
uob krisflyer credit card
Credit Cards
KrisFlyer UOB Credit Card Review 2022 – Is This the Best Miles Card in Singapore?
It’s been a while since I got excited over a new air miles card – not since the BOC Elite Miles Card since 2019 – and even longer since I felt any...
11 November 2021
krisflyer miles redemption guide 2018
Travel
KrisFlyer Miles Redemption Guide – How to Start Playing the Miles Game in Singapore
So, you’ve finally decided to become a full-fledged travel hacker – to start collecting miles in order to fulfill to your dream of travelling the world. You’ve told all your...
26 October 2021
Best savings accounts with high interest rates in Singapore
Savings Accounts
7 Best Savings Accounts in Singapore with the Highest Interest Rates
2020 has been a pretty tough year on our finances. Not only did many of us suffer pay cuts and income losses, most of the high interest savings accounts in...
4 October 2021
dbs live fresh card
Credit Cards
DBS Live Fresh Card – MoneySmart Review 2022
Singapore’s go-to bank DBS must really want to change up their mundane, workaday image — just look at the snazzy DBS Live Fresh Card. The cashback credit card has an attractive...
21 September 2021
DBS Altitude Card – MoneySmart Review 2022
Credit Cards
DBS Altitude Card – MoneySmart Review 2022
Yet another DBS credit card? You’ll want to pay attention to this one though. The DBS Altitude Card is one of the most popular air miles credit cards for fresh...
20 September 2021
National steps challenge
Fitness & Beauty
National Steps Challenge Season 6 – Guide to Registration, Steps Tracker Collection & Rewards
Haven’t you heard? The National Steps Challenge Season 6 is about to begin, on 1 October 2021! This will run through 31 March 2022. Now heartland uncles and aunties will have...
14 September 2021
Income Tax Singapore
Budgeting
10 Ways to Reduce Your Personal Income Tax in Singapore for YA2022
I know, I know. It’s not even the end of the year, and here I am, writing an article about income tax. I’m like the Grinch who stole Deepavali.  While...
19 August 2021
5 Best Crypto ETF Alternatives for Singapore Investors (2021)
Invest
5 Best Crypto ETF Alternatives for Singapore Investors (2021)
Is there a cryptocurrency ETF? It might surprise you to learn that the answer is no. Although there are ETFs (exchange traded funds) for almost anything you can think of...
13 August 2021
unit trust singapore investment
Invest
Unit Trusts in Singapore – Things to Know Before You Invest
Most common investments in Singapore, (like stocks, bonds, and property) are not difficult to understand once you get past the jargon. When it comes to complex products like a unit...
27 July 2021
5 Best Cashback Cards in Singapore for Recurring Bill Payments (2021)
Credit Cards
5 Best Cashback Cards in Singapore for Recurring Bill Payments (2021)
Eat, sleep, work, pay bills, repeat — that’s pretty much life in Singapore. But did you know you can pay many telco, medical and utilities bills by credit card and earn...
15 July 2021
private annuity singapore
Invest
Retirement Annuity Plans in Singapore: What Are They & How to Choose One
Ask many Singaporeans about how they plan to fund their retirement, and you’ll probably get a couple of stock answers: “CPF” and/or “my kids”.  But that’s not you, right? As...
9 July 2021
University Degrees in Singapore 2019
Education
NUS, NTU, SMU & Other Singapore University Degrees – How Much Do They Cost in 2021?
We Singaporeans are a privileged bunch. For tertiary education, most of us focus on getting into our school of choice — be it NUS, NTU, SMU or any other university — and...
6 July 2021
Singapore Savings Bond Review
Invest
Singapore Savings Bond (SSB) Review — Interest Rates & Buying Guide
Ever since the Government launched Singapore Savings Bonds (commonly abbreviated as SSB) in 2015, it has gone from being a super-conservative investment with low returns, to an actually decent investment vehicle...
6 July 2021
retirement planning singapore 2018
Budgeting
Retirement Planning in Singapore: A Starter Guide for Confused Millennials
When you think “retirement”, do you imagine travelling the world, cruising on your own yacht, and being surrounded by Playboy bunnies/boy toys? Sorry, but retirement in Singapore isn’t quite as...
17 June 2021
CarIns_101_masthead
Car Insurance
Car Insurance in Singapore: All You Need to Know to Get the Cheapest Rate (2021)
“Woo hoo! It’s time to renew my car insurance, I’m so excited,” said no one ever. Yes, we may love our cars — but the main reason we buy car...
14 June 2021
food delivery rider
Career
Food Delivery Riders: How Much Can You Earn as a Deliveroo, Foodpanda or Grabfood Rider?
With low barriers to entry and plenty of flexibility, it’s no surprise that being a food delivery rider for Deliveroo, Foodpanda or GrabFood is an attractive proposition as a side gig...
24 May 2021
investing in shares and sgx stocks singapore
Invest
Investing in Shares (2021) – MoneySmart Guide to Buying SGX Stocks
These days, owning Apple stock is as much a status symbol as owning an Apple watch. (Well, they’re both expensive…) But apart from making you more attractive, stocks and shares...
21 May 2021
FWD Car Insurance Review
Car Insurance
FWD Car Insurance Singapore Review 2021
Known for its Lifetime 50% No Claims Discount (NCD) guarantee, FWD has grown to become one of the most digital-forward car insurers around. If you’re the less-traditional type who prefers...
17 May 2021
NTUC Car Insurance Review
Car Insurance
NTUC Income Car Insurance Singapore Review 2021
NTUC Income is a brand that needs no introduction in Singapore. Naturally, it has the lion’s share of the car insurance market, especially among local drivers.  So NTUC car insurance...
17 May 2021
Direct Asia Car Insurance Review
Car Insurance
DirectAsia Car Insurance Singapore Review 2021
DirectAsia is among the younger entrants  in Singapore’s car insurance scene. While it is not a household name like NTUC or AXA, it has been gaining market share because of...
17 May 2021