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Singaporeans are excited for the holiday season because of the lights and sights. Apart from the lights and sights, Singaporeans are anticipating big discounts and sales. Discounts and sales make shopping here more fun and memorable. However, you need to know when it is enough especially if you are using your credit card.

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It is better if you use cash but if it is not possible, use credit card instead. Actually credit card is fine as long as you do not overdo it. If in this case you do not trust yourself to resist the urge overspending during the holidays, here are some tips on how you can protect your card:

  • Limit cards you carry: When you go on a shopping, limit the cards that you carry. If your cards are easily accessible, you will be tempted to swipe for more. Just bring at least one and that will do.
  • Create a list: Do not trust your mental notes or lists when buying gifts because sometimes when it comes to giving gifts, you tend to overthink. With that, it is better to create a list first. After creating the list, you can proceed buying presents and not think about who you will miss.
  • Conceal your card: Stolen credit cards are not new. It is crucial that whenever you make transactions, you conceal your card. You only need to take it out when you are about to make a payment. Do not flaunt your card because it can attract other people with bad motives.

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  • Do not lend your cards to anyone: Sometimes you want to give your love ones the best of life but it is not necessary that you lend your card to them. You need to be there that way you can control the spending. If you let other people borrow your card, you will be in heavy debt without a warning.
  • Be mindful of your purchases and treat receipts carefully: Creating a list is important because it is one way of being mindful of your purchases. After that, you need to treat your receipts carefully. Keep receipts and compare it when your billing statement arrives.

At the end of the day, it all boils down to discipline and control. If you have this, you will never worry about your finances. If you want to start your 2015 right, do not build credit card debts. With the tips mentioned above, hopefully you will know how to manage your credit card during the holiday season. Good luck and enjoy the holidays!

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You can do many things in Singapore except for making the public messy. In Singapore, cleanliness is strictly ordered by authorities. Apart for being known to its cleanliness policy, Singapore’s goods and services prices are painfully high. That is why travelers that come from around the world must save money in order to survive.

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Public Transportation

Car is one of the many forms of transportation in Singapore. However, it is expensive for other people. Because cars are luxurious for many, they tend to make use of any available transportation in the country. Contrary to many beliefs that riding buses taxis and trains are expensive in Singapore, travelling using this mode of transport is cheap compared to renting cars.

Shop at Dealer’s Store

If you have problems tripping to wet market, dealer centers will be the next option. Here, they offer affordable and ready-made foods. One of the best-sellers in this place is sea foods. However, a lot of tourists warn fellow foreign visitors about overcharging of some vendors.

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Shop at Wet Markets

International cities like in Singapore mostly provide fresh and cheap foods. The name wet market, literally means wet because you are going to step on a wet floor. There are a lot cheap foods here; however, you might see it dirty as the ambiance is noisy and smelly.

Be Environment-Friendly

One of the tips to save money in Singapore is to know laws. In Singapore, gum chewing as well as spitting is prohibited in public. People who violate this law will be punished and fined accordingly.

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Your Money in Singapore Vaults

April 2nd, 2014 | Posted by Editor in Money Talks - (0 Comments)

Singapore is a very safe country in terms of securing your money. In fact, Singapore received an award of having the most excellent bank services in the globe. Also, Singapore has been known for its tight security when it comes to money.

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Because Singapore is a nation that is financially stable, they use modern devices and equipment so that establishments most especially banks are well secured.

Here are the list of the few banks that offers good services to both Singaporeans and tourists.

  • United Overseas Bank – This listed as one of the top banks in the island and also in the world. Having problems with your business? Let UOB solve your problem. This bank offers loans, deposit and many more.
  • HSBC – This is a famous bank in Singapore. Here, they offer a wide array of banking and financial services. Actually, last 2009; HSBC is hailed by Global Finance to be the Best Corporate Internet Bank in the nation.
  • State Bank of India – In Asia, SBI has been awarded as the Strongest Bank. Actually, this is one of the biggest bank is India and it gradually enters its way to the international stage.
  • OCBC Bank – Licensed by Asian Banker as the Best Retail Bank in Singapore, it continues to develop and serve the people in the country. Recently, the bank was honored Excellence in Customer Relationship Management.
  • Barclays – Barclays PLC is the center of Asian private banking firm and their largest office is located in Singapore.

When it comes to banks, no country can surpass the excellent services that Singapore banks offer. Although most banks in the island are a renowned bank worldwide, still, the services they give to their customers is still the same.

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