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Father of two living the elevated lifestyle without really paying for it, and sharing daily life hacks, tips and experiences

Latest Blogs


Cardup? Time to Carddown for me.
Before we start, what is Cardup? CardUp is a payments platform that lets individuals and businesses pay expenses like rent, taxes, invoices, and insurance with a credit card, even when the recipient doesn’t normally accept cards. It helps users earn rewards, such as miles or cash back, while CardUp handles the transfer to the recipient via bank transfer or other supported methods. Of course - all at a small administrative fee. What have I been using Cardup for? My car loan, m
21 minutes ago2 min read


Singapore Airlines SQ671 NGO-SIN Review
Flight Number: SQ671 Aircraft: B787-10 Nagoya Chubu Centrair - Singapore Changi Ticket Purchase / Redemption I paid 312,000 KrisFlyer miles + SGD 303 back in December 2024 (10 months before the actual flight) for the return redemption booking on Singapore Airlines for 3 people. Little A's ticket cost SGD325, which had to be booked separately by calling SQ hotline. There is only one flight out of Singapore to Nagoya and vice versa. Note that KrisFlyer redemptions have increase
Nov 13, 20253 min read


Interest Rates Updates (AGAIN)...
UOB Bank have announced interest rates drops for UOB ONE account and UOB Stash accounts! Maribank has also announced a reduction in their rates to a point where I will probably stop talking about them soon. Here's UOB Stash revised rates effective 1st December 2025: Criteria - Keep raising your Monthly Average Balance (MAB), even if it's just by $1, to qualify for the bonus interest. Full details HERE . Here's UOB ONE revised rates effective 1st December 2025: Criteria - 2
Nov 9, 20252 min read


Latest bank Interest Rates
Have you lost track of the recent announcements from banks about interest rate changes? Don't worry! Here's a brief overview and advice...
Oct 7, 20252 min read


Singapore Airlines SQ621 KIX - SIN Review
Flight Number: SQ641 Aircraft: B787-10 Osaka Kansai - Singapore Changi Ticket Purchase / Redemption I paid 156,000 KrisFlyer miles + JPY...
Jul 17, 20253 min read


NERFED. TL;DR version
The nerf season has become quite absurd in recent days. What exactly occurred? Here's a brief overview of the main nerfs without delving...
Jul 1, 20252 min read


OCBC 360 Interest rates dropping for the 2nd time in 2025!
For a second time in a short space of 3 months, OCBC has announced a revision to their 360 savings account. These are the recently...
Jun 30, 20251 min read


The biggest nerf of the year so far...
The year 2025 has not been favorable so far, with numerous reductions affecting bank savings accounts and credit card programs. Some of...
Jun 22, 20252 min read


Tax Season is here! How to get the most out of paying your taxes?
Paying for income taxes can be quite burdensome. However, before you begin paying them, what if there are methods to optimize your...
Apr 5, 20252 min read
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