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.

hdb sales of balance flat
HDB Sale of Balance Flats 2021: Guide to SBF & Open Booking
Although the SOP for buying an HDB BTO flat has been well-documented, buying a flat via HDB’s Sale of Balance Flats (HDB SBF) or the new open booking systemis a little...
3 days ago
apple watch singapore price
Apple Watch Singapore Price Guide — SE vs Series 6 vs Series 3
Checking your blood oxygen level and even notifying if you have an irregular heart rate — is there anything the Apple Watch Series 6 can’t do? But at $600 to...
19 February 2021
Fitness & Beauty
Cheap Gyms in Singapore 2021 — 9 Gym Memberships Under $100/Month
These days, spending upwards of $200/month on fancy gyms like Fitness First and Virgin Active are the norm. But after a certain point, you’ll realise you’re actually paying more for the...
11 February 2021
cheap bicycle shop singapore
Fitness & Beauty
5 Best Bicycle Shops in Singapore for Cheap Bikes Under $700
Maybe you’re looking for a cheap bicycle for your commute. Or maybe you’re trying to get in shape without having to pay $250 a month for a gym membership.  Whatever...
8 February 2021
Best Credit Card Promotions 2021 — Free AirPods, CapitaLand Vouchers & More
Credit Cards
Best Credit Card Promotions 2021 — Free AirPods, CapitaLand Vouchers & More
I have to admit, I’m a complete sucker for credit card promotions. These days, even the best credit cards in Singapore compete so hard for new customers, they practically rain Apple AirPods, Nintendo...
5 February 2021
stashaway review
Stashaway Review — Is This Popular Robo Advisor Good for Beginner Investors?
You might have heard of a little robo advisor called Stashaway. OK, it’s not so little — this startup has been around since 2016 and has dominated the robo advisor...
27 January 2021
How to Decide which Investment Brokerage in Singapore is Best for You
Which Investment Brokerage in Singapore is Best? Here’s How to Decide
You’ve read up enough about how to start investing. You’ve triple-checked your emergency fund. You’re finally ready to rake it in on the stock market! Now what? The next step...
22 January 2021
cpf life payout plan minimum sum
CPF LIFE: The Complete Guide to Payouts, Plans & Minimum Sums in 2021
If you’re in your 30s like I am, retiring in Singapore is the stuff of nightmares. By the time our retirement rolls around, the old folks selling cheap hawker food...
19 January 2021
Singapore REITs (2018) – MoneySmart Guide to Investing in REITs
REITs in Singapore — MoneySmart Guide to Investing in REITs
Investing in real estate is part of the Singapore Dream. Own property, become a landlord, enjoy a consistent stream of rental income until the end of your days. … I...
17 January 2021
13 Cheapest SIM-Only Mobile Plans in Singapore 2021 (<$20/Month)
Gone are the days when you’d have to sign up with one of the big 3 telcos — Singtel, Starhub and M1 — just for mobile data. With one of...
14 January 2021
ETFs Singapore
Top 7 ETFs in Singapore — The Total Beginner’s Guide to Investing in ETFs
Most of us have a vague idea that we should be investing at least some of our money to make it grow, but no one ever sits us down and...
12 January 2021
li chun 2019 deposit money guide
Savings Accounts
Li Chun 2021 (3 Feb) – When is the Best Date & Time to Deposit Money?
You might not know it by its name, but surely you’ve noticed snaking queues at cash deposit machines on a particular day around Chinese New Year. This date is called...
6 January 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...
6 January 2021
Health Insurance
Health Insurance in Singapore — Everything You Need to Know to Survive
Intimidated by all the acronyms, government schemes and ridiculous jargon surrounding health insurance in Singapore? Yeah, us too. That’s why we did the research to give you a crash course...
16 December 2020
With So Many Integrated Shield Plans Available, How Do You Decide Which to Choose?
Health Insurance
With So Many Integrated Shield Plans Available, How Do You Decide Which to Choose?
All Singaporeans are covered by MediShield Life for the most basic of medical coverage. But on top of MediShield Life, an estimated two-thirds of Singaporeans are also paying for an...
15 December 2020
cheap courier delivery service singapore
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...
10 December 2020
Citi Cash Back Card Review
Credit Cards
Citibank Cash Back Card – MoneySmart Review 2021
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...
9 December 2020
dbs multiplier account review
Savings Accounts
DBS Multiplier Account Review — Should You Switch Savings Account in 2021?
You’ve probably seen the ads for the DBS Multiplier account. You know, the one with bunnies multiplying? That’s supposed to suggest how fast your money can grow in this high...
2 December 2020
log cake & christmas buffet promotion singapore
The Best Christmas Log Cake Promotions in Singapore (2020)
Spoiler alert: Christmas log cakes aren’t cheap, especially if you buy the really nice, glossy ones from hotels. For example, the Yule logs pictured here, from Mandarin Orchard, cost about $80...
30 November 2020
civil servant year end bonus 2018
No Singapore Civil Servant Year-End Bonus in 2020 — What Does It Mean for Us?
Though you wouldn’t know it from the Black Friday crowds at Orchard and the appetite for $1K flights to Hong Kong, Singapore’s economy is clearly in tatters. The proof? Civil...
29 November 2020
HDB Grants 101
HDB Grants Guide 2021 — What’s the Max CPF Housing Grant You Can Get?
If you’re buying an HDB flat in Singapore for the first time, you’re just beginning to realise how much it costs to live in what is essentially a tiny space...
17 November 2020
Income Tax Singapore
10 Ways to Reduce Your Personal Income Tax in Singapore for YA2021
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...
17 November 2020
uob one savings account review 2018
Savings Accounts
UOB One Account — UOB Savings Account Review 2021
If you’re looking for a day-to-day savings account that will give you more returns than just 0.05% p.a., there are plenty of options available in Singapore. The problem is, most...
11 November 2020
shops restaurants bars that closed down
R.I.P. Robinsons — 17 Businesses That Closed Down Thanks to COVID-19
Here’s an article about the retail apocalypse we wrote a year ago. What innocent times! Those closures are nothing compared to the current mass exodus of businesses as COVID-19 continues to wreck...
30 October 2020
how to buy us stocks in Singapore
How to Buy US Stocks in Singapore: 3 Best Investment Brokerages
If the US presidential election this year has got you interested in buying US stocks, here’s a crash course on how to buy US stocks in Singapore and the best...
28 October 2020