READ ME FIRST: Your Personal Finance Journey Starts With This Article

5 min read

Making smarter personal finance decisions starts here

The first step towards financial literacy is the hardest, rest assured that you are not alone.

Seedly, is here to help.

This article curates articles into a learning platform that brings you through some of the commonly asked questions in personal finance.

How to start my personal finance journey?

There is always a first in everything. Here is a list of first when it comes to personal finance:

*Click me! Click me!*

*Click me! Click me!*

Getting your first salary, what should you do?

Getting your first pay cheque is probably the best feeling ever. The feeling of not having to rely on allowances and finally making money with your own effort is out of this world.

While various individual starts off their first job at different stages, the theory behind allocating your monthly salary remains generally the same.

How To Allocate Your Monthly Salary

In this section, we list out content that can help one manage their monthly salary, budget better and get out of debt should they kick off their personal finance journey with one.

Tools to help you make smarter personal finance decisions:

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 Choosing The Best Savings Account and Credit Cards

The most immediate thing to do upon getting your first pay cheque should be opening a savings account that gives you the best possible interest rate.

The tedious part of this process is that as banks are competing against one another, they end up with too many terms and conditions which ultimately end up confusing every normal Singaporeans.

Cheat Sheet: Best Savings Accounts in Singapore For Working Adults 2018? - Highest Interest Rates

These content can help you get rid of this problem on savings account:

Tools to help you choose the best savings account:

While getting on the right savings account can help one earn extra interest on his savings, proper use of credit cards can help one save even more!

These content can help you choose the best credit cards:

Tools to help you choose the best credit cards:

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Getting your first insurance. What insurance coverage should you be getting?

There is no one-size fits all solution to getting sufficient coverage for yourself.

Hence, it is important to understand your own needs and how much are you willing to spend on coverage before getting your insurance policy.

In this section, we list out insurance guides and content that will come in handy when looking to get your first insurance.

Content on Health Insurance

Content On Life Insurance

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Making Your First Investment

To determine if you are ready to embark on your investment journey, here’s a “Should-I-Invest” checklist for you.

Should I Invest In Singapore

This section aims to help Singaporeans get started on their investment journey by providing sufficient knowledge on investing.

Investing should never be a rash decision. One should get to know his financial health and his investing mindset such as risk preference better. Below are some articles to read up while understanding your personal investing mindset.

Now that you are ready, it is time to open that CDP account or get on a brokerage:

Content on Singapore Savings Bond:

Content on Fund Investing:

Content on Stocks Investing:

Content on Regular Savings Plan:

Kicking off with a Regular Savings Plan helps cultivate a habit of investing and set aside a portion of your salary automatically. It is a good way to force yourself to save should you be a spendthrift by nature.

Content on Exchange Traded Funds Investing:

Content on Real Estate Investment Trusts (REITs) Investing:

If you are looking to add REITs to your investment portfolio, here are some articles that can help you out.

Alternative Investments: P2P Lending Platforms, Cryptocurrencies and Robo-Advisors

Tools To Help You Get Started On Your Investment Journey

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Getting Your First property

For most Singaporeans, getting a property is going to be their first big-ticket purchase. While the process can be quite an experience and stressful, nothing beats a go-to place to get all the information.

Content on getting your first BTO:

Content on Housing Loan:

Content on Renovation:

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Making Even Smarter Personal Financial Decisions On Lifestyle Choices

While it is important to invest, get insurance coverage and be on the best savings account and credit card, there is more to personal finance. Many times, it is the daily and monthly expenses that we find hacks and ways to save on that contribute to our savings even more.

Updated 10 Dec 2018

Here are some content to make better lifestyle choices:

Tools to help you:

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