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money is not enough to use!!!

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wonderamy View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote wonderamy Quote  Post ReplyReply Direct Link To This Post Posted: 05 Apr 2018 at 10:17pm
that's right, you are not suitable to do any investment now because you can't 100% get back your money in a short period.  How abt do some part time job? like my friend, she do part time job as a piano teacher on weekends, I think you can go and do grab driver, the salary not badWink
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lilythegirl View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote lilythegirl Quote  Post ReplyReply Direct Link To This Post Posted: 05 Apr 2018 at 9:48pm
Originally posted by razileman razileman wrote:

Why don't you start with a simple financial plan? List down your compulsory budgeting first e.g your household, bill, rent, loans, etc. Minimize your spending and keep the remaining for saving. Suggesting you to create one other bank account just for saving and do not take that money from that account unless you have to. 


Good suggestion. LOL
List out all the expenses first , then decide where to cut cost.
The money saved can keep for online business or put into bank.
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lilythegirl View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote lilythegirl Quote  Post ReplyReply Direct Link To This Post Posted: 05 Apr 2018 at 9:45pm
Originally posted by omona omona wrote:

i think every investment got its risk...
if i'm like you i'll put the money in the bank and take the interest, that's more save..
u can put it as FD or at Alliance Saveplus acc..their interest rate is high which is up tp 3% per year..


How about OCBC Business Banking ? 
The business banking only requires a low amount of deposit. LOL
And their investment period can be as low as 1 month to 5 years.
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Honggg View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Honggg Quote  Post ReplyReply Direct Link To This Post Posted: 05 Apr 2018 at 8:33pm
Originally posted by lufya456 lufya456 wrote:

Originally posted by yangxi yangxi wrote:


i did a research ald, Alliance give the highest interest rate to us compare to otehr banks... so if you want to save money in banks to get interest i suggest you to put at Alliance acc

I do saving my money at alliance bank and i got dividend from the interest... 
and yeah im also do an online business and alliance also help me a lot when i want to create an account
their staff also friendly and helpful.... besides that, there's no transactions fee! like if u withdraw money at MEPS , still dont have any charge 


This will surely save alot ! No fees for every transaction. Besides, you are earning interest too. If you already have an existing Alliance Bank account,u can direct open Alliance SavePlus Account online. 
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Honggg View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Honggg Quote  Post ReplyReply Direct Link To This Post Posted: 05 Apr 2018 at 7:56pm
Originally posted by zac1234 zac1234 wrote:

fd got lock-in peroid, i dun like...how about Alliance Saveplus acc?

Saveplus account provides an interest up to 3.5%, not bad. Your money is secured by PIDM too. I'm surprised that this account is not charging any transaction fees ,for other banks there are many charges imposed according to the transaction made.
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OnePunchChoo View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote OnePunchChoo Quote  Post ReplyReply Direct Link To This Post Posted: 04 Apr 2018 at 9:46pm
Originally posted by vanice098 vanice098 wrote:

eeuuww why need to buy baby's clothes at bundle shop??!!!
it might have eczema at previously baby and u put it on your baby... 
dont ever dare! 

I dont think you should judge other people like that, doesn't mean everything had to be branded only can wear...
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OnePunchChoo View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote OnePunchChoo Quote  Post ReplyReply Direct Link To This Post Posted: 04 Apr 2018 at 9:45pm
Originally posted by SuperJJ SuperJJ wrote:

Originally posted by Ahmanran Ahmanran wrote:

I agree that Investment is not encouraging as in your situation, you shall not risk your money. What if you lose all the money? There will be a big financial problem then. Plus your salary is not high , secure your finance future first.

Only do investment if you have extra money that you can afford to lose. Most of the time you will be at the risk of losing money rather than earning so I wouldn't count much on that. Prefer you could save your money at bank instead such as Alliance bank which offered up to 3.5% of interest for at least 100k saved.

Investment also need to depend on luck one, too hard to predict what would happen even if you have all the knowledge about the stock market. I prefer to save my money at bank although earn a bit lesser but at least it is confirm earn.
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SuperJJ View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SuperJJ Quote  Post ReplyReply Direct Link To This Post Posted: 04 Apr 2018 at 9:41pm
Originally posted by malani malani wrote:

Same with my thought too. An online business or extra part-time job will surely earn you some income. Try find out some job during your free time. Make use of the social media ,there are lots of part time job for you to choose. 

Yeah online sales nowadays are very easy to start with, just make a Facebook page and you can start to promote all your stuff there, unlike last time where the only possible way to do business is to rent a shop. And if you plan to do online business do consider to register an Alliance bank account as they do not charge you for transaction fees, helps in saving a lot in the long run.
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SuperJJ View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SuperJJ Quote  Post ReplyReply Direct Link To This Post Posted: 04 Apr 2018 at 9:36pm
Originally posted by Ahmanran Ahmanran wrote:

I agree that Investment is not encouraging as in your situation, you shall not risk your money. What if you lose all the money? There will be a big financial problem then. Plus your salary is not high , secure your finance future first.

Only do investment if you have extra money that you can afford to lose. Most of the time you will be at the risk of losing money rather than earning so I wouldn't count much on that. Prefer you could save your money at bank instead such as Alliance bank which offered up to 3.5% of interest for at least 100k saved.
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jomthai View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote jomthai Quote  Post ReplyReply Direct Link To This Post Posted: 04 Apr 2018 at 4:22pm
Originally posted by vanice098 vanice098 wrote:

eeuuww why need to buy baby's clothes at bundle shop??!!!
it might have eczema at previously baby and u put it on your baby... 
dont ever dare! 

LOL!! it is necessary to feels disgusting to clothes from a thrift shop ?? because they wash it before sell it!
and after u buy it, u have to wash it first to avoid whatever it is... and its one of the initiative to cut off the budget ...  
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