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.

dbs live fresh card
Credit Cards
DBS Live Fresh Card – MoneySmart Review 2020
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 got a huge...
10 hours ago
POSB Everyday Card – MoneySmart Review 2020
Credit Cards
POSB Everyday Card – MoneySmart Review 2020
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...
1 day ago
standard chartered x card
Credit Cards
Standard Chartered X Card – The Lowdown on the New “100,000 Miles” Card
Apparently, Standard Chartered took a leaf out of Singtel’s and Starhub’s marketing playbook with its latest credit card for miles.  Similar to how the telcos recently pushed out GOMO and...
3 days ago
Citi Cash Back Card Review
Credit Cards
Citibank Cash Back Card – MoneySmart Review 2020
The Citibank Cash Back Card is one of the most eye-catching cashback cards in Singapore, promising a very huat 8% cash rebate on everyday spending categories. In contrast, the average cashback...
30 July 2020
Best-1-for-1-buffet_masthead
Credit Cards
The Best 1-for-1 Hotel Buffet Dining Promotions in Singapore (July 2020)
Nothing gets Singaporeans going like a hotel buffet, but the problem is that most of them are pretty expensive at full price. Luckily, with the current spate of excellent credit...
19 July 2020
Savings-Accounts_masthead
Savings Accounts
Your Savings Account Sucks, Here Are Some That Don’t – 2020 Edition
Believe it or not, masses of Singaporeans are still using a POSB savings account and “enjoying” the standard POSB interest rates of 0.05% p.a. on their hard-earned savings. You know...
12 July 2020
uob one savings account review 2018
Savings Accounts
UOB One Account — UOB Savings Account Review 2020
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...
7 July 2020
dbs multiplier account review
Savings Accounts
DBS Multiplier Account Review & 2020 T&C Changes — Is It Still Worth Signing Up For?
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...
7 July 2020
best personal loan singapore
Personal Loans
The Best Personal Loans in Singapore with Lowest Interest Rates (2020)
If you’re in urgent need of money, and you’re too paiseh to borrow from your family and friends – what can you do? The answer is to go to a...
3 June 2020
best credit card for groceries
Credit Cards
Best Grocery Credit Cards for NTUC FairPrice, Sheng Siong, Cold Storage & Giant (2020)
In between comparing the prices of the various instant noodle brands at NTUC FairPrice and marvelling at how much cheaper alcohol is at Sheng Siong than in bars, why not save...
12 April 2020
ocbc 360 savings account review 2018
Savings Accounts
OCBC 360 Account — OCBC Savings Account Review 2020
If you’re gonna open a primary savings account in Singapore, you’re most likely going to go with one of the 3 local banks (DBS, UOB, OCBC). OCBC is a practical...
3 April 2020
University Degrees in Singapore 2019
Education
NUS, NTU, SMU & Other Singapore University Degrees – How Much Do They Cost in 2020?
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...
31 March 2020
best porridge buffet singapore
Dining
9 Best Taiwan & Teochew Porridge Buffets in Singapore – 2020 Price List
I’m normally a rational person, until you put me in front of a good Taiwan or Teochew porridge buffet. All of a sudden, I think it’s totally fine to pay...
23 March 2020
best travel insurance singapore
Travel Insurance
Best Travel Insurance Singapore 2020 – Here’s How to Compare Travel Insurance
Travel insurance in Singapore is super-competitive when it comes to pricing. That’s great for us consumers, but it also means that you shouldn’t always choose the cheapest travel insurance plan you can...
19 March 2020
cheap bicycle shop singapore
Fitness & Beauty
7 Best Bicycle Shops in Singapore — Shops to Buy Cheap Bikes Under $500
Maybe you’re looking for a cheap bicycle for your commute, now that e-scooters are practically banned in Singapore. Or you’re trying to get in shape without having to pay $250 a...
17 March 2020
Singapore REITs (2018) – MoneySmart Guide to Investing in REITs
Invest
REITs in Singapore (2020) – 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.
11 March 2020
HDB Grants 101
Property
HDB Grants 101 — 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...
11 March 2020
best mortgage home loans review
Home Loans
Best Home Loans in Singapore (2020) — How to Pick the Best Mortgage for Your Property
Have you got your eye on a new home and are already looking for the best home loan in Singapore? Are you comparing the interest rates on the market, ready...
11 March 2020
cpf life payout plan minimum sum
Budgeting
CPF LIFE — The Complete Guide to Monthly Payouts, Plans & Minimum Sums (2020)
Is anyone ever prepared for retirement in Singapore? Probably not. Personally, when I look at the old hawkers at my favourite hawker centre these days, I can’t help but feel...
11 March 2020
hdb sales of balance flat
Property
HDB SBF & ROF — Complete Guide to Applying for Sale of Balance Flats
Although the SOP for buying an HDB BTO flat has been well-documented, buying a balance flat via HDB’s Sale of Balance Flats (HDB SBF) or the new open booking system is a...
9 March 2020
How to Decide which Investment Brokerage in Singapore is Best for You
Invest
How to Decide Which Investment Brokerage in Singapore Is Best For You
Let me guess. You’re fresh out of university, raring to start your career, and you think you’re financially savvy enough to dabble in stocks and shares. You’re ready to rake it...
9 March 2020
EZ-Link Card Singapore Guide: 7 Nifty Features You Probably Didn’t Know About
Transportation
EZ-Link Card Singapore Guide: 7 Nifty Features You Probably Didn’t Know About
EZ-Link is just like GST. We don’t know how it works exactly, but it’s always there, slowly but surely sucking away our hard-earned money in small, painless increments. It’s time...
9 March 2020
ETFs Singapore
Invest
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...
8 March 2020
transitlink abt simplygo
Transportation
What Is SimplyGo (Formerly ABT) & Should You Ditch Your EZLink Card?
After letting account-based ticketing (ABT) languish in “pilot” mode for two whole years, the folks at TransitLink finally got their act together and are launching it for real. Presenting, at...
8 March 2020
best dempsey hill restaurants 2018
Dining
Dempsey Hill Restaurants Price Guide – 15 Best Restaurants for Every Budget
Going to Dempsey Hill is like entering a parallel universe. All of a sudden, everyone turns into a #blessed #flowerchild and gushes “OMG I looove nature, it’s so healing”… even though...
2 March 2020