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A Simple Guide to Increasing Your Credit Card Limit Key Takeaways In Singapore, credit card limits are regulated by the Monetary Authority of Singapore and are largely determined by factors such as your income level, age, and overall unsecured debt exposure. When banks decide on your credit limit or review an existing one, they look closely at your repayment history, how much of your available credit you typically use, and how long you have maintained a relationship with the

Unexpected expenses rarely come at a good time. One moment your finances feel under control, and the next you are dealing with an urgent medical bill, a sudden home repair, or a temporary loss of income that disrupts your monthly cash flow. In Singapore’s high-cost living environment, being financially prepared is no longer a “nice to have”, it is a necessity.

Should you save your money first, or should you use it to clear your debts? One of the most common financial questions Singaporeans face is deceptively simple: should you focus on saving money, or should you prioritise clearing your debts first? Both choices sound correct, and that’s what makes the decision so confusing. Saving builds security and peace of mind, while repaying debt frees you from interest and long-term financial pressure. In reality, the smarter approach is r

Loan scams are evolving, and they’re getting smarter. In Singapore, scam messages promising “instant approval” and “low-interest loans” are still flooding WhatsApp, SMS, Telegram, and even Facebook ads. The issue? Scammers now mimic licensed moneylenders so convincingly — using real company names, fake websites, and doctored approval letters.

Licensed money lenders in Singapore follow strict regulations. They can charge late fees and interest but must use legal, non-harassing recovery methods.

Starting a side hustle is one of the most empowering moves you can make, whether it’s baking from home, freelancing, or running an online shop. But every great idea needs fuel, and that fuel often comes in the form of cash flow. You don’t need huge capital, but you do need enough to cover essentials like equipment, marketing, and inventory.

Education is more than just a qualification, it’s a lifelong investment that grows in value. Whether you’re pursuing a degree, earning a professional certification, or upgrading your skills to switch careers, funding your education can unlock better income opportunities and personal growth. However, with tuition fees and training costs on the rise, many Singaporeans struggle to figure out how to pay for their studies without exhausting their savings. This is where education

Learn how to borrow smartly in Singapore. Money management in Singapore often feels like a balancing act between preparing for the future and handling today’s expenses. With housing prices rising, car ownership getting costlier, and education fees continuing to climb, it’s natural for many Singaporeans to wonder should I dip into my savings or take a loan? There’s no single answer that fits everyone. Loans, when used wisely, can be a valuable financial tool. They can help you

If you think taking a loan means you’re bad with money, think again. In Singapore, some of the most financially savvy individuals use loans strategically. They don’t borrow out of desperation, they borrow because they know how to make money work harder for them. Whether it’s purchasing a home, funding education, or expanding a business, smart borrowers understand that using credit wisely and within their means can accelerate financial growth. Thanks to Singapore’s strong regu