joannepoh

Articles by Joanne Poh

In my previous life, I was a property lawyer who spent most of my time struggling to get out of bed or stuck in peak hour traffic. These days, as a freelance commercial writer, I work in bed, on the beach, in parks and at cafes, all while being really frugal. I like helping other people save money so they can stop living lives they don't like.

cash management account singapore
Budgeting
Cash Management Accounts in Singapore: StashAway, Syfe, Endowus, Mari Invest, and More
We all know that stashing your savings away in a run-of-the-mill POSB savings account is a waste due to dismal interest rates. High-interest savings accounts (like the UOB One, DBS Multiplier...
4 days ago
best-air-miles-credit-card-singapore
Credit Cards
9 Best Air Miles Credit Cards in Singapore (Nov 2024)
Ah, the air miles credit card. Clearly the most glamorous of all credit cards. Every time you use one, you’re reinforcing your image as a globetrotting, wanderlusting, jet-setter. But more importantly,...
12 November 2024
guide to wedding ang bao rates in singapore in 2024
Wedding
Wedding Ang Bao Rates in Singapore 2024—How Much Should You Give?
Wedding dinners in Singapore can sometimes be a mercenary affair. Don’t be fooled into thinking that wedding ang baos (red packets) are purely a gift from the heart. In Singapore,...
24 October 2024
standard-chartered-simply-cash-credit-card-review
Credit Cards
Standard Chartered Simply Cash Credit Card—MoneySmart Review (2024)
Note: As of 5 December 2022, the Standard Chartered Unlimited Cashback Credit Card was renamed to the Simply Cash Credit Card along with a card redesign.  The premise of the...
10 October 2024
financial goals planning
Budgeting
Short, Medium, and Long-Term Financial Goals: How Do You Save Up for Each Type?
You’ve achieved your squad goals and couple goals, but what about your financial goals? They might be less exciting, but they’re just as important to have—especially in Singapore. Things like...
10 October 2024
savings-accounts-no-min-balance
Savings Accounts
12 Best Savings Accounts in Singapore with No Minimum Balance (2024)
Banks like to put nasty conditions like high minimum balances and fall-below fees on their savings accounts to force people to keep more money with them, and at the same...
3 October 2024
singapore-personal-loans-best-interest-rates
Personal Loans
8 Best Personal Loans in Singapore with Lowest Interest Rates (2024)
If you’re in urgent need of money, but are too paiseh to borrow from your family and friends, your best bet is probably a personal loan. With a personal loan, you...
25 September 2024
standard chartered cashone personal loan review
Personal Loans
Standard Chartered Personal Loan Review 2024: Should You Take the SCB CashOne Personal Loan?
Need money for your flat or condo downpayment? Perhaps you have big renovation plans or you’ve had a bit of an emergency that requires a large amount of cash in...
23 September 2024
youtrip-review-moneysmart-exchange-foreign-currency-countries
Budgeting
YouTrip Review—Guide to YouTrip Card, Exchange Rates & Promo Codes
We asked, and they finally heard. As of Jul 2024, YouTrip has finally added the feature of allowing you to withdraw money from your YouTrip account back into your bank...
26 August 2024
The Beginner’s Guide to Singapore Treasury Bills for Individual Investors 2024: What are T-bills and How to Apply
Invest
The Beginner’s Guide to Singapore Treasury Bills for Individual Investors 2024: What are T-bills and How to Apply
Thinking about where to park your hard-earned cash in Singapore? You’re looking in the right place. Living in one of the world’s most expensive cities isn’t easy on the wallet....
16 August 2024
beginners guide to investing in luxury watches
Invest
A Beginner’s Guide to Investing in Luxury Watches: How to Start, Model Comparisons, and More
When you hear the word “investment”, what comes to mind? We’re guessing traditional instruments like stocks, real estate or bonds. But what about luxury watches? Luxury watches are more than...
2 August 2024
married couple joint accounts singapore pros and cons
Family
Should You Open a Joint Account With Your Spouse? Here are 3 Pros and 3 Cons to Consider
If you believe that marriage means two become one, then you might subscribe to the belief that a married couple’s bank accounts also need to merge. While there are advantages...
26 July 2024
best multi currency cards and accounts in singapore
Travel
Comparing Digital Multi-Currency Accounts: Wise, YouTrip, Revolut, and More
Preparing for an overseas holiday usually involves a trip to the money changer at Mustafa or Change Alley in hopes of getting the best exchange rates, and then fearfully rushing...
11 July 2024
fresh-graduate-job-tips
Career
Fresh Graduate Jobs in Singapore: How to Write Your Resume & Other Tips
Nobody teaches you how to “adult”, least of all your teachers at school. Whether you scored As or Ds, you’ll be just as lost as everyone else when you wade...
28 June 2024
things-to-consider-buying-old-hdb-resale-flat
Property
2 Essential Things to Consider When Buying an Old HDB Resale Flat
Home isn’t just where the heart is. In Singapore, home is also where the money is. Many people pour all their money into their properties, signing up for massive loans...
27 June 2024
Singaporean Households to Receive Additional $300 CDC Vouchers in Jun 2024: How to Claim, Where to Spend Them, Etc.
Budgeting
Singaporean Households to Receive Additional $300 CDC Vouchers in Jun 2024: How to Claim, Where to Spend Them, Etc.
Good news, folks—in addition to the $500 in CDC (Community Development Council) vouchers we received in Jan 2024, we’re getting another $300 in CDC vouchers this Jun 2024. That’s a...
26 June 2024
hsbc-revolution-card-masthead
Credit Cards
The HSBC Revolution Card’s Latest Nerf—Bye Bye 10X Points on Contactless Payments and Travel Spend (MoneySmart Review 2024)
Uh oh. We have another nerf. The HSBC Revolution Card has been a favourite among Singapore credit card users for letting you earn HSBC rewards points for online and contactless...
26 June 2024
personal-accident-insurance-singapore
PA Insurance
7 Best Personal Accident Insurance Plans That Cost Under $175/Year in Singapore (2024)—Less Than $0.50 a Day!
Everyone experiences bad luck now and then. Like when you don’t strike Toto, the MRT breaks down, or your HDB block didn’t get selected for en bloc. But what about...
25 June 2024
99-1-loophole-absd-explainer-moneysmart
Property
What Is The Additional Buyer’s Stamp Duty (ABSD) “99-1 Loophole” in Singapore and Is It Illegal? (2024)
The mark of a true blue Singaporean isn’t how well he/she can follow the law, it’s about getting around it without breaking it. But all that becomes tricky when we’re...
24 June 2024
Buying an HDB BTO Flat in Singapore: A Step-By-Step Guide (2024)
Property
Buying an HDB BTO Flat in Singapore: A Step-By-Step Guide (2024)
The Jun 2024 BTO sales exercise is upon us—and with it, renewed interest in buying a BTO flat. Buying an HDB BTO flat is a rite of passage for most...
21 June 2024
credit-card-fee-waiver
Credit Cards
How to Get Credit Card Annual Fee Waivers and Still Enjoy Rewards and Perks
When it comes to credit cards, it’s all about getting the upper hand—getting more money out of the bank than they’ll ever get from you.  The secret? Pay all your...
14 June 2024
SRS-Retirement-Account
Budgeting
Here’s Everything You Should Know About the Supplementary Retirement Scheme (SRS) Account
In Singapore, retirement is always something we crave. While not all of us will be FIRE fanatics, we do want to plan for having more of that cash money when...
14 June 2024
citi-cash-back-plus-mastercard-moneysmart-review
Credit Cards
Citibank Cash Back+ Credit Card: MoneySmart Review 2024
I have a soft spot for cash back credit cards. There’s none of that beating around the bush, trying to predict when your rewards points expire or getting slapped with...
6 June 2024
freelance-work-finances
Career
Going Freelance? Here’s How You Should Plan Your CPF & Finances For 2024
Back when I started freelancing full-time in 2014, the only friends who were free to meet up with me at midnight were home tutors. Now, it seems like half of...
24 May 2024
Best Hotel Rewards and Loyalty Programmes That Work Around the World in 2024
Travel
Best Hotel Rewards and Loyalty Programmes That Work Around the World in 2024
Picture this: You’re sipping a complimentary glass of champagne as you step into a luxurious suite with breathtaking views of an iconic city skyline. The concierge greets you by name,...
16 May 2024