If you are planning to buy your first property, you will be made to get accustomed to a term call “TDSR” or Total Debt Servicing Ratio (besides SIBOR, LTV and the likes) introduced on 28 June 2013. Not surprisingly, 1 in 3 home buyers are not familiar with how the TDSR works. TDSR is one of
Ensuring timely payment for your services is crucial to keeping operations smooth. However, asking for money, especially when payments are late, can feel awkward and uncomfortable. As a freelancer offering writing and HR consulting services, I’ve experienced firsthand how challenging billing can be. While I know I’ve earned the payment for my work, following up
Getting married is a milestone, but managing finances together is a new adventure. From joint expenses to long-term goals, how you handle money can shape your future. Whether you’re newlyweds or planning bigger dreams, here are six money management tips to help you build a strong financial foundation. TALK ABOUT MONEY Open communication is
Discover how to use loans strategically for personal and business growth. Learn about payday loans, SME loans, and financial planning tips for a secure future. While this may sound ordinary, loans for managing money can be more than a safety net. They can be stepping stones toward big dreams. Whether you’re looking to expand your
Congratulations on tying the knot! Now comes the real test: managing money as a TEAM. Whether you’re saving for a BTO, cutting tax bills, or just splitting date-night expenses, combining finances is key. On that note, here are ways to make it seamless and drama-free. DECODE EACH OTHER’S MONEY HABITS First things first, how does
