Jeraldine

Hello! I am Jeraldine. I care about the challenges and aspirations of my generation such as coping with the high cost of living; navigating the issues faced in our careers; providing the best for our elderly parents and children and saving for our own retirement.

In this blog, I hope to explore solutions we can take on an individual level and as a country to tackle these issues.

Track your personal finances with this simple spreadsheeet [Free Template]

What I have learned in life when it comes to keeping track of your personal finances is that "If you can't measure it, you can't manage it."  This is proven by psychologists. If you are trying to achieve a goal, the more often that you monitor your progress, the greater the likelihood that you will succeed, according to research published by the American Psychological Association. In...

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Should we implement a sugar tax in Singapore?

The topic of implementing a sugar tax in Singapore has been floating around in the past two years since the launch of the MOH's War on Diabetes campaign.  In fact, the Ministry of Health (MOH) and the Health Promotion Board (HPB) have recently proposed four measures to cut sugar intake from drinks. This includes a total ban; tax on high-sugar drinks; mandatory labeling or a ban on advertisements...

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How I keep my utilities bill below $50 every month?

Several households in Singapore have been feeling squeezed by their rising utilities bill and cost of living in general. In this quarter alone, the 2nd phase of the 30% water price increase in Singapore has kicked in. Electricity tariffs increased by 1.50 cents per kWh and the gas tariff for households also increased for the third time in 2018 alone. Prior to our recent National Day Rally...

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How can Private University Graduates overcome discrimination?

My close friend, a private university graduate, interviewed at a government-linked company (GLC) last year and was told by the interviewer a condescending tone: “Well, if we knew you were from the SIM’s University of Buffalo program instead of the one in New York, we would not have called you down for an interview”. Another SIM-GE graduate was also rejected in by her prospective employer...

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What type of insurance should I buy in Singapore?

One of the most common asked questions by fresh graduates and young working adults would be “What type of insurance do I need in Singapore?” and “How much coverage would I require?” 2018 was the year when I finally managed to get my own insurance portfolio in order and would be sharing my personal journey and what I've learnt in a blog post. Before writing this...

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10 Lessons I’ve learnt from renovating my HDB flat

Renovating and furnishing your hdb flat can be costly for many Singaporeans. According to Qanvast, the average renovation amount spent on a typical HDB flat is about $56,000. This excludes the cost of furniture such as dining table set, sofa and a study table which estimated by Dollars & Sense to cost $10,000-$20,000. Assuming that these are the estimates, in total, the entire cost of...

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