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.

How you can start investing in Singapore? [Beginner’s guide]

One of the common questions I get from my readers is how they can start investing in Singapore. A quick search on Google and I found out that there are some typical questions which include: How do I start investing as a student or when I am still in national service? How to invest in Singapore with little money? During these challenging times, many Millennials...

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How Millennials can prepare for a recession in Singapore?

As Millennials, many of us are dealing with our first recession in Singapore in our adult lives. In 2020, Singapore entered the worst recession in 55 years. Our GDP shrank 41.2 percent in the April to June period compared to three months before.  Our generation is feeling the financial impact. Roughly a third of millennials (ages 24 to 39) and Gen Z (ages 18 to...

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SGUnited Traineeships Programme: How can we better protect our youths?

The SGUnited Traineeships Programme is a well-intentioned and good initiative. For those who have not heard of this scheme, the programme aims to support recent graduates from University, Polytechnics, and ITEs with traineeship opportunities across various sectors. The government will fund 80 percent of the training allowance, while the host organisation funds the remaining 20%. Traineeships must last up to 9 months. Graduates would receive...

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As a Fresh Grad, should you work for the Public Service, MNC or a startup?

One of the common questions I get from readers on my Instagram is "As a fresh graduate or young working adult, should I choose to work for the public service, MNC or a startup?" In this post, I shall attempt to answer this question based on my knowledge, research and also my conversations with others. Just to share a bit about my background, I have...

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How I manage my monthly salary (as a Millennial in Singapore)

One of the most common questions I get is how do I manage my monthly salary? How much do I allocate and budget my salary into the different buckets - savings, investments and expenses?  These questions have increased ever since the onset of the Covid-19 Pandemic. My guess is that some feel that the situation demands them to be more proactive about managing their finances....

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