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.

co-living singapore
Co-Living in Singapore — How Much Does Rent Cost at Hmlet, Lyf & Commontown?
In pre-Zuckerberg times, there was no such thing as “co-living”. There was only “flat-sharing”, which was what you did as a broke college student with no money. Back then, it was...
24 August 2020
Fitness & Beauty
Cheap Gyms in Singapore (2020) – 11 Affordable Gym Memberships Under $100/Month
Whether you think of the gym as a second home or a dungeon full or torture devices, one thing is for sure — the cost of gym membership is the...
23 August 2020
Seniors Go Digital mobile plans by Singtel, Starhub, M1, TPG Mobile
Seniors Go Digital: Singtel vs Starhub vs M1 vs TPG Mobile Plan Comparison (2020)
With Zoom calls and binge-watching dramas on MeWatch, previously Toggle tv, being the new normal, senior citizens run the risk of being left behind.  Not only are some seniors not...
10 August 2020
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...
6 August 2020
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...
5 August 2020
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 August 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
University Degrees in Singapore 2019
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
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
Best Home Loans in Singapore (2020) — How to Pick the Best Mortgage for Your Property
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
hdb sales of balance flat
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
EZ-Link Card Singapore Guide: 7 Nifty Features You Probably Didn’t Know About
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
transitlink abt simplygo
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
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
doctor anywhere telemedicine apps
Doctor Anywhere, WhiteCoat, Doctor World… Can Telemedicine Apps Save Us Money?
Opinions about doctors fall firmly in one of two opposing camps. Either you’re a true believer of the power of modern medicine and rush to the clinic at the first...
1 March 2020
Taobao Singapore – The Complete Shopping & Shipping Guide
When you hear “Made in China”, one word comes to mind: Taobao. What better place to get your hands on cheap, mass-produced items from mainland China, lead and other toxins hopefully not included?...
25 February 2020
birthday treats singapore 2019
Birthday Treats Singapore 2020 – 33 Best Freebies for Every Day of the Month 
Statistically, you share your birthday with at least 15,000 other people in Singapore. But it’s in most businesses’ interest to perpetuate the belief that your birthday is super duper special...
20 February 2020
amazon prime singapore
Amazon Prime Singapore — 5 Things Prime Membership Means for Singaporeans
After all the hype surrounding the launch of Amazon Prime in Singapore, everyone was dismayed to discover that the product range was nothing like its US counterpart’s. Worse, they removed...
19 February 2020
highest paying jobs singapore 2018
Highest Paying Jobs in Singapore – 43 Jobs With Monthly Salary Over $10K
Are you happy with your salary in Singapore? Rhetorical question, I know… But if you are happy with what you’re making, you might want to close this tab because you’re...
14 February 2020
Best Citibank Credit Cards Review
Credit Cards
Best Citibank Credit Cards in Singapore – Credit Card Reviews 2020
Unlike some other banks, Citibank doesn’t have a bazillion credit cards on offer. Instead, they only have a handful, and each card in their stable serves a very specific purpose....
5 February 2020
visa vs mastercard vs american express
Credit Cards
Visa vs Mastercard vs American Express – Which is Best?
If you’ve ever shopped around for a credit card in Singapore (and if not, we strongly suggest you do so to maximize the benefits of owning one) you’ll know that...
5 February 2020
Air Miles vs Cashback vs Rewards – Which is the Best Credit Card Type to Use?
Credit Cards
Air Miles vs Cashback vs Rewards – Which is the Best Credit Card Type to Use?
Picking the right type of credit card is more of an art than a science. It’s like choosing your Dungeons & Dragons character or starter Pokemon. In fact, just like Bulbasaur, Charmander...
5 February 2020