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.

The MoneySmart Guide to Retirement Part 3: Growing Your Wealth
Budgeting
The MoneySmart Guide to Retirement Part 3: Growing Your Wealth
Money means different things to different people. For some, it’s a new handbag, a bespoke cocktails and ski holidays in Hokkaido. Call us lazy, but to many of us here at...
5 days ago
What is DeFi? A Singaporean’s Guide to Decentralized Finance
Invest
What is DeFi? A Singaporean’s Guide to Decentralized Finance
One of the crypto buzzwords of 2021 is “DeFi”. Sounds like an underground resistance movement, but it’s actually short for decentralized finance, i.e. an alternative version of the traditional financial system....
15 September 2021
SCB Unlimited Cashback Credit Card
Credit Cards
Standard Chartered Unlimited Cashback Credit Card – MoneySmart Review 2021
The premise of the Standard Chartered Unlimited Cashback Credit Card is extremely simple — 1.5% cashback on everything with no minimum spending and no rebate cap. Okay, so 1.5% doesn’t...
15 September 2021
Citibank Cash Back+ Credit Card – MoneySmart Review (2021)
Credit Cards
Citibank Cash Back+ Credit Card – MoneySmart Review (2021)
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...
15 September 2021
Citi Rewards Card Review
Credit Cards
Citibank Rewards Card – MoneySmart Review 2021
The Citibank Rewards Card is one of the more attractive credit cards in Singapore for shopaholics, offering 10X rewards points (or $1 = 4 miles) when you shop online (excluding...
14 September 2021
DBS Home Equity Income Loan Review: CPF Scheme for Private Property Owners
Home Loans
DBS Home Equity Income Loan Review: CPF Scheme for Private Property Owners
Unless you’re willing to live with your parents forever or have had a look at rental prices and not had a heart attack, you’re going to have to fork out...
14 September 2021
The MoneySmart Guide to Retirement Part 2: Insurance Protection
Health Insurance
The MoneySmart Guide to Retirement Part 2: Insurance Protection
So, you made it through the Singapore education system and now have a job that pays you an okay salary. You’re even saving and investing for financial goals like retirement....
13 September 2021
traffic fines in singapore
Transportation
Traffic Fines in Singapore (2021) — Guide to LTA, URA, HDB, TP and ERP Fines
When you own a car, traffic wardens are your worst enemy and roadblocks send shivers down your spine – after all, there’s nothing worse than getting traffic fines in Singapore. As...
10 September 2021
13 cheapest condos singapore
Property
9 Cheapest Condos in Singapore: Studio Apartments Under $600K
“Cheap” is a relative term. To people from anywhere else in the world, nothing in Singapore is really cheap except the bus, MRT and hawker food. But if you’ve been...
8 September 2021
saxo saxotradergo platform
Invest
Saxo Markets (Singapore) Investment Brokerage Review: How to Invest Using SaxoTraderGO?
You’re ready to start making your money work for you by investing it. Great! But before you can start, you need to decide which investment brokerage to use. That’s where...
8 September 2021
highest paying jobs singapore 2018
Career
Highest Paying Jobs in Singapore 2021: Which Jobs Pay 6-Figure Annual Salaries?
I firmly believe that comparing ourselves to others is a pointless exercise. Only tiger parents engage in that kind of toxic crap. Yet here I am, writing this article about...
7 September 2021
The MoneySmart Guide to Retirement Part 1: Home Security
Home Loans
The MoneySmart Guide to Retirement Part 1: Home Security
Your home is your castle, your refuge, your love nest, your (wo)man cave, and also what you have spent or will spend a large chunk of your life paying for....
6 September 2021
dyson cordless vacuum cleaner singapore
Budgeting
7 Best Cordless Vacuum Cleaners in Singapore: Cheaper Alternatives to Dyson
I really have to hand it to Dyson for designing a vacuum cleaner that’s so out there, even men want to buy it. Lest you think of James Dyson as...
6 September 2021
CPF Top Up Guide: Should You Top Up Your CPF for Tax Relief?
Budgeting
CPF Top Up Guide: Should You Top Up Your CPF for Tax Relief?
There are some Singaporeans who are vehemently on Team GiveMeBackMyCPF, while others are equally evangelical about transferring MORE money to their CPF to earn those sweet interest rates. But if...
31 August 2021
CPF Nomination Scheme: Step-by-Step Guide to Making a CPF Nomination
Family
CPF Nomination Scheme: Step-by-Step Guide to Making a CPF Nomination
We have no idea what will happen to your soul when you die, but we can guarantee that your money will go to neither heaven nor hell. Your life insurance will pay...
30 August 2021
Guide to CKA & CAR for Specified Investment Products (SIP) in Singapore
Invest
Guide to CKA & CAR for Specified Investment Products (SIP) in Singapore
If you’ve already tried investing in Singapore, you might have come across something called a CKA (Customer Knowledge Assessment) or CAR (Customer Review Account) test. CKA and CAR are two...
27 August 2021
Xfers Account Singapore: Step-by-Step Guide to How Xfers Works
Invest
Xfers Account Singapore: Step-by-Step Guide to How Xfers Works
The days when Bitcoin was a goldmine have dissipated together with our mask-free pasts, but you might still be thinking of trying your hand at this whole cryptocurrency thing. After all,...
26 August 2021
Voluntary CPF Housing Refund: What Is It, and Should You Do It Too?
Home Loans
Voluntary CPF Housing Refund: What Is It, and Should You Do It Too?
Emptying your CPF Ordinary Account (OA) to pay for property and service your mortgage is one way you can get some utility out of your CPF savings before you hit...
25 August 2021
teaching in singapore MOE tuition teacher
Education
Teaching in Singapore: Is It Better to Be an MOE Teacher or a Private Tuition Teacher?
On the face of it, MOE teachers seem to have it good. Decent pay AND long holidays? Sign us up! Yet everyone has that ex-teacher friend who quit to give...
17 August 2021
home loan calculator hdb maximum loan financial calculator flat interest rate cpf
Property
3 Key Factors You Should Know When Using Your CPF to Purchase Property (2021)
You don’t have to wait till you’re old and wizened to use the money in your CPF account. The first time you’ll find yourself using your CPF monies is usually to buy a...
17 August 2021
doctor lawyer salary singapore
Career
Ever Wondered How Much Your Doctor and Lawyer Friends Earn?
Kiasu parents all over Singapore put their kids through years of private tuition sessions and enrichment classes in hopes that they will grow up to become a superstar heart surgeon...
16 August 2021
5 Best Investment Brokerage Promotions (2021): Free Apple Shares & More
Invest
5 Best Investment Brokerage Promotions (2021): Free Apple Shares & More
Investment brokerages and robo advisors are a dime a dozen these days. For us as potential customers, that’s good news, as it means they’re now fighting tooth and nail for...
12 August 2021
Insurance Claims in Singapore: How They Work & What You Need to Submit
Car Insurance
Insurance Claims in Singapore: How They Work & What You Need to Submit
The first thing most people do when they need to make an insurance claim is to send a panicked WhatsApp message to their insurance agent. But your agent is only...
5 August 2021
10 Best Home Insurance Plans in Singapore for HDB & Private Property (2021)
Home Insurance
10 Best Home Insurance Plans in Singapore for HDB & Private Property (2021)
Your home is probably the most expensive thing you own right now. (Not to be presumptuous, but I’m assuming you don’t have a $3 million supercar or yacht.) So it...
4 August 2021
How to Start a Business in Singapore: 7 Steps to Becoming Your Own Boss
Business
How to Start a Business in Singapore: 7 Steps to Becoming Your Own Boss
Overseas holidays are still off the cards, and bosses think employees have “nothing better to do” than to be on call 24/7, leading to people working even longer hours than...
29 July 2021