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Declined by Insurance? Protect Your Future Despite
Being told ā€œNo, you can’t get coverageā€ is frustrating — and often scary. For people with conditions like PCOS, eczema, or other health challenges, traditional insurance can feel out of reach. The good news? It doesn’t have to mean the end of your financial security. āø» Why Some People Are
Crystal

Crystal

2 likes

Why I wrote my will in my 20s!
I get it I sound insane 1. I dont have much asset 2. I have no dependent So write will for what??? šŸ’ø Insurance payout stuck šŸ  House goes under legal process šŸ’” Family left to sort your mess while grieving šŸ‘©šŸ»ā€āš–ļø Intestate Succession Act decides who gets what — not you Especially if
Crystal

Crystal

4 likes

When insurance actually mattersšŸ˜”
I get it — insurance feels like an adult thing. But it’s also peace of mind. Start with what you need, not what’s trendy. I’m happy to share what I personally started with 🫶 I’ve been dealing with recurring tonsil infections… And now, I’m going for tonsil removal surgery. Doctor consults,
Crystal

Crystal

24 likes

You don’t need to be rich to start planning
I’m not rich. I’m just prepared If you wait until you’re rich to start planning, you might never start at all. When I first graduated, I didn’t earn much. My CPF contribution felt like a pay cut. And saving? That felt impossible. So I told myself: ā€œI’ll plan my finances when I start earni
Crystal

Crystal

7 likes

What to do before you Rage Quit 🤬
I know the feeling — you’re done with your job, your boss breathing down your neck, and you’re just one Monday away from sending that resignation email. 🫠 But if your bank account looks like your phone battery at 5%, maybe don’t quit yet. Let’s talk emergency fund. Before I even thought of l
Crystal

Crystal

117 likes

I didnt think I need a will
I used to think writing a will was only for people with children, property, or a million-dollar bank account. But the truth is… even your insurance money, your bank savings, and your CPF can get locked up for years if you don’t leave clear instructions. If you pass without a will, the Intesta
Crystal

Crystal

4 likes

Is it time to leave my job?
Let’s be real—most of us jump at the thought of a higher paycheck. But is the move worth it if you end up stuck in a role with no growth? Career decisions are financial decisions. That’s why I always ask myself: • Will this new role challenge me? • Am I learning skills tha
Crystal

Crystal

49 likes

Is it everyone have BTO now?!
It feels like everyone’s applying for BTOs right now. I get it. I’ve been there—feeling pressured, wondering if I’ll miss my chance. But a house isn’t just a checkbox on your adulthood bingo card. It’s one of the biggest financial decisions you’ll make in your 20s. Before you say yes to
Crystal

Crystal

16 likes

Not perfect, not rich
Do I have it all figured out? Definitely not. But I think that’s the point. Recently I came across this term ā€œPrincipal Advisor.ā€ It hit me — that’s what I’ve always wanted to be. Not someone who pushes products, but someone you go to before the regret. When you’re thinking of: – Getting a hou
Crystal

Crystal

2 likes

came to ā€˜see see’… now my wallet empty
Tell me I’m not alone—I go into Uniqlo ā€œjust to look,ā€ next thing I know, I’m at the cashier paying for 3 items. Impulse buying is how I lowkey went broke before. But these 3 hacks saved my wallet: 1ļøāƒ£ 24-hour rule – If I want something, I wait one day. 90% of the time, I forget about it. 2ļø
Crystal

Crystal

3 likes

I Thought I Could Afford a BMW until…
I thought if I can afford the car loan, I can afford the car. Till I come across this post by @factlah šŸ’° Example: BMW 3 Series • Cost: ~$290K (incl. COE) • Ideal salary to afford it? $17K/month. • But many buy it at? $4.4K/month. And that’s not even counting…
Crystal

Crystal

3 likes

Bubble tea + Grab = my wallet crying
confirm not just me—when I look at my bank statement, every other transaction is Grab, bubble tea, or foodpanda. ā˜• $8 Gong Cha šŸš– $15 Grab ride šŸ” $12 McDelivery šŸæ $25 random movie night Do this a few times a week = $500+ a month. That’s $6K a year. Imagine what you could do with that instea
Crystal

Crystal

4 likes

Where My Extra Money Went
Let’s be real… I thought when my pay increase, my savings will also increase. But somehow, my bank account still look the same—or worse LOL. Turns out, I kena lifestyle inflation. Earn more, spend more—upgrade phone, eat nicer food, take more Grab, and BOOM šŸ’„ money gone. šŸ›‘ How to siam this tr
Crystal

Crystal

4 likes

How I Stopped Feeling Broke Before Payday!
Ever felt like you’re just waiting for your next paycheck to survive? Same. Here’s what helped: šŸ’° Automating savings so I don’t accidentally spend it šŸ“Š Tracking my spending (because small leaks sink big ships) 🚫 Saying ā€œnoā€ to mindless spending, not fun experiences What’s one money habit th
Crystal

Crystal

51 likes

Budget without feeling like you are missing out!
Budgeting in Singapore feels like: āœ… Save money āœ… Be responsible āœ… Feel miserable because you can’t enjoy life But what if I told you budgeting ≠ suffering? Here’s how to manage money without feeling broke: 1ļøāƒ£ The ā€œFun Fundā€ Rule – Always set aside money for fun. Even $50 a month makes a
Crystal

Crystal

5 likes

Thinking $3K a Month Meant I was Rich!
I remember my first paycheck—finally seeing real money in my bank account. So, I did what any fresh grad would do… I spent. āœ… Upgraded my phone. āœ… Treated myself to ā€˜good food’ every week. āœ… Bought things just because ā€œI deserve it.ā€ Before I knew it, my savings were pathetic. Turns out, ea
Crystal

Crystal

46 likes

Stop being broke in my 20s
I know it’s tough especially if you just graduation. You get a 2.5k salary, CPF takes about 20%, and you’re left with barely enough to live on. I was in that same boat. I decided to track every single dollar—from kopi to takeaway—just to see where it all went. I set up a budget and automated my
Crystal

Crystal

59 likes

Things NO ONE TOLD ME ABOUT Star Theatre
I attended the XG Concert yesterday at the Star Theatre, and I was surprised by a few things! The crew were very friendly and accommodating, and photography was allowed, which was a bonus! BUT they confiscated my water bottlešŸ˜” even though it only contained plain water. I hadn't reali
Crystal

Crystal

37 likes

I’m that fresh grad with unrealistic expectations
Before ANYONE come for me! I know I’m being abit delulu but I really wanted it for myself. I often receive the questions what my dream job was after graduation. And what I wanted is a role in fashion marketing that paid well, but soon realized this ideal job didn't exist. I was picky about
Crystal

Crystal

94 likes

MY FIRST CREDIT CARD! (still can’t decide,HELP)
So I been thinking awhile now, debating between which credit card I should get for myself. For context, I recently graduated and just got a full time job for at least 3 months? And I been looking for credit card for miles. And im comparing between this two because its the top two most recommend
Crystal

Crystal

55 likes

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Crystal
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