It has been at least three-quarters of not-so-great news. With inflation and employment uncertainties, companies have been tightening their belts. There has not been much marketing budget and freebies for retail consumers for some time now. Even if there is, it is quite selective. Before this runs out in 500 quantity only, get the Marina Square shopping app via this link: https://onelink.to/marinasquare.sg, using my referral code – AU5SFS. This gets us a $5 Marina Square eVoucher each.
First come first served – Up to 500 sign ups only so be quick.
a. Click the link to go to apple store or google play store. Once it is installed, open the app and click on create your account
b. Then key in your personal details. When you reach the bottom, press on “Referral” and key in AU5SFS. This is required to get your $5 eVoucher at MSQ.
c. Once successful, you will be directed to the app homepage and a notification will appear. You need to navigate to My Wallet -> MSQ Voucher Wallet.
d. If you are a fan of daily points, you can go to the homepage. Click on the bottom right, and choose the Game option. Every day at 12 midnight, the system resets and you can claim MSQ squares. (Their currency) Every 200 squares gets you $2 parking. You can play around and explore the app to see what you want to redeem.
One very good thing about MSQ (Marina Square) is that even after the pandemic. With each $50 spent in the mall, they will credit a $3 parking voucher directly to your app. You will need to go to the information counter to redeem it and it is pretty fuss-free.
All rights then. Wish you all a good weekend and good luck in getting the vouchers.
At the start of 2024, there were signs that new offerings were being put out for deal seekers but as it seems, after January, there has been a drag of three months. Nothing much now except for Dobin. Before we start, let me just say that this is an affiliated link and by doing some actions, you do help me in keeping the lights on this blog. Please do try the app out. I have been using it for the past 6 months and I must say it has one of the better apps available without annoying advertisements.
At the same time, I can track expenses and connect my banking apps. Today is the last day for the referral. You can sign up and refer your friends and family to get cash rewards too. Besides that point, the main aim is to use the friendly app for tracking personal expenses. Personally, I prefer this app over the rest since there are no pesky advertisements and they are done here locally in Singapore. Support local I guess.
And remember to connect at least one bank account or one credit car on Dobin.
What You Need to Do:
Open the Dobin App and tap on the referral widget on your home screen.
Share your exclusive referral code with your friends & family.
What Your Friends Need to Do:
Download Dobin and enter your promo code during sign-up.
Connect at least 1 bank account or credit card on Dobin.
Disclaimer
If you like what you are seeing, do remember to check them out and do your diligence. There is no one-size-fits-all investment strategy and no one solution to life. Join my telegram group to find out more about deals and join the community to connect for ideas: Life Journey Telegram
Do use my referral code please: ZUPUNWI
If you like what I am sharing or if it resonates with you, do use my referral codes here at Referral Services
2024 has been kind to us. There’s a bit of budget around most things available to the common man out there. Today is no exception with the introduction of Max Miles Ang Pow for extra miles. This is a limited-time promotion and is valid only until 24th Feb 2024 or up to 1 million max miles. So this is going to go out pretty quick.
Here are some free miles provided by max miles: Ang Pow Link
Do use my referral link if you would like to sign up: Sign Up Here!
What’s Huat with heymax?
This Lunar New Year, heymax will be gifting every Maxer up to 1,000 Max Miles to share with friends and family as ang baos!
Additionally – you get referral bonuses and new users get more Ang Baos when they sign up! Huat ah!
Not only can you give, but you can also receive up to 10 Ang Baos filled with Max Miles from fellow Maxer
Eligibility for Activity Participation
The event will run from 10 February to 24 February 202 and you will get up to 1000 max miles
Activity Summary
Is there a limit to the number of Max Miles I can earn from ang baos?
Every user can receive and open up to 10 ang baos. There is no cap on the total Max Miles earned.
How can I redeem my Max Miles earned from Huat with heymax?
Any Max Miles earned from Huat with heymax can be redeemed through the usual redemption options as follows:
You can transfer your Max Miles to our 20+ airline and hotel partners. For airline or hotel transfers, the minimum transfer amount is 1,000 Max Miles at a 1:1 ratio.
You can redeem a minimum of 1,000 Max Miles for a $10 gift card.
Will my Max Miles expire if I don’t use them during the campaign period?
Max Miles do not expire. Any Max Miles you earn will remain with you after the campaign ends and can be redeemed through the usual redemption options on heymax.
Disclaimer
If you like what you are seeing, do remember to check them out and do your diligence. There is no one-size-fits-all investment strategy and no one solution to life. Join my telegram group to find out more about deals and join the community to connect for ideas: Life Journey Telegram
Do use my referral link if you would like to sign up: Sign Up Here!
If you like what I am sharing or if it resonates with you, do use my referral codes here at Referral Services
Chinese New Year is around the corner and there seem to be multiple promotions during the festive period. I hope everyone has a great new year and I do have something that I would like to share with you. These deals are kind of hard to come by and they depend on festive, promotions and company budgets. While some people might have stability in their lives, some don’t, and let’s make that simple and happy this 2024. I have another CNY Ang Pow Promotion that I would like to offer to anyone interested.
This article is brought to you via the Life Journey Blog Affiliate Partnership with Moomoo.
This special promotion is brought to you via the Moomoo Futu Trading app. If you use a normal referral code that gives you $660 in the welcome package. By using my unique link here Sign Up link, you get an additional $20 cash voucher by funding just S$100 on top of the welcome package that I have put below. The threshold is really low here.
Moo Moo is licensed by MAS
The process is as follows:
For clarity:
a. Click on the signup link here to Open Account. Sign up and submit your details
b. Using any of the 4 deposit methods
Deposit via Direct Debit – DDA
Bank Transfer (Add MooMoo as the payee)
PayNow
Transfer via Wise (Another payment App)
c. Transfer or Fund SGD 100 and wait for your rewards. That’s a 20% Return on Investment (ROI) that is risk-free.
d. (Something special) – The first 10 who have completed the signup and funding. Put in your details here: Contact List so that I can give you a little Ang Pow of S$5 for your efforts once I have verified the sign-up is complete. My only request is that you join my telegram group at Life Journey Telegram.
Those who already have the Moomoo accounts would have been long-time deal hunters so this is specially done for all of you who don’t have a lot of funds to play around to get some cash using limited resources.
Campaign Period
The campaign will commence from 2/11/2023 at 10:00PM SGT – 23/1/2024 at 9:59PM SGT** (“Campaign Period”).
Eligibility for Activity Participation
New users who have never opened a Moomoo SG universal account and/or deposited funds before 10:00PM SGT on 2/11/2023.
Activity Summary
When new users complete tasks, they can get corresponding rewards, such as free stock/ cash coupons and free real-time quotes.
(vi) 1 Year commission-free for SG market (includes only stocks, ETFs and REITs)
(vii) Moomoo Cash Plus 5.8% p.a. Guaranteed Returns worth up to S$380 (Applicable to the first S$80K subscription, valid for 30 days only)
Deposit a cumulative amount of at least S$3,000 before 23/1/2024 at 9:59 PM, complete 3 cumulative buy trades and redeem rewards before 9:59PM SGT on 30/1/2024. Maintain assets for 30 days.
Reward 2
(i) Receive 1 x Stock Bundle#: AAPL, NVDA TSLA, SE, NIO (worth S$70)
Deposit a cumulative amount of at least S$10,000 before 23/1/2024 at 9:59 PM, complete 8 cumulative buy trades and complete buy trades and redeem rewards before 9:59PM SGT on 30/1/2024. Maintain assets for 90 days.
Reward 3
(i) Receive 3 x Stock Bundle#: AAPL, NVDA TSLA, SE, NIO (worth S$210)
Who is Moomoo?
Backed by Chinese tech giant Tencent, Moomoo makes trading accessible with a gamified, easy-to-use interface.
Disclaimer
If you like what you are seeing, do remember to check them out and do your diligence. There is no one-size-fits-all investment strategy and no one solution to life. Join my telegram group to find out more about deals and join the community to connect for ideas: Life Journey Telegram
By using my unique link here Sign Up link, you get an additional $20 cash voucher. The first 10 in my google forms get additional Ang Pow after verification.
If you like what I am sharing or if it resonates with you, do use my referral codes here at Referral Services
Just earlier today. I wrote a piece about saving money and I was reminded of petrol prices. Stay tuned until the end for a nice freebie at the end which is in limited stock.
Sometimes saving money is about not spending it at all or cutting back on what we commonly call an austerity measure. Usually, that is quite drastic and meant to be a joke of some sort. However, some things have to be spent, necessities or even things that you have previously committed to paying for. It is akin to having a car and petrol prices are directly linked to costs.
For Example:
You purchased a home. You can’t stop the mortgage
You purchased a car. You can stop the financing payments (If any) and the petrol costs or the charging costs.
You purchased a subscription plan that has a contractual period. You can’t stop the payment. (Well, you can do an early termination if it makes economic sense)
I don’t wish to keep discussing the increase in GST. In a sense, this increase is necessary for economic gains and country-building. Additionally, business costs have increased, snowballing effect of the laggard inflation and upcoming soft landing is becoming apparent.
Petrol Prices
Discussing petrol prices has always been contentious with people around here. Regardless of any discussion, the price is as such. On the Price Kaki website, there’s a comparison of petrol grade 95, 98 and Premium.
Petrol Prices: Petrol Grade 95 as of 12 Jan 23
Petrol Prices: Petrol Grade for 98 on 12 Jan 23
Petrol Prices: Petrol Grade for Premium on 12 Jan 23
In this year 2024, I wish to be able to bring joy to others as much as possible so in that aspect I have a good deal for anyone who drives a car and would like to get direct discounts from the petrol kiosk.
Don’t be confused and don’t be sceptical about it. It is a good deal and I have been using it for 9 months now so it is not a sham. I have a limited fleet card on hand at the moment and would like to offer to the first 5 pax who indicate their interest on google forms here:Fleet Card Interest Gathering and First 5 GIveaways.
One condition is to follow/subscribe to my blog and also to add my telegram channel here at Life Journey Telegram. Thank you!
The first lucky 5 gets it.
Rest assured, this information is for me to understand how to address you and share that information via email. I’m gathering some interest here so let me speak with the guys and see if we can release more slots for you.
Save on Petrol Prices – Pros
1. No age or salary restriction
This is not a credit card. Anyone who has a vehicle registered in Singapore has proof of address in Singapore and a credit card for recurring payment can apply for this. There’s no bank involved in this.
2. A physical card
It is a physical card at the moment and is only available to ESSO and SHELL kiosks in Singapore.
3. Fabulous Discount on petrol prices
Perks for this card are a direct 23% or 24% for SHELL and ESSO respectively.
4. No Complications. No minimum spend or Top Up
Away with the complications of minimum inclusive spending and potential discounts. To me, cold-hard discounts are the best since they are upfront discounts.
5. Ease of Payment on petrol
This fleet card works like a credit card and you need to set up a credit card payment to pay once a month.
6. Convenience
Once you have been registered by the company, you will get a pin and each time you visit the kiosk, just the card and you can skip the cashier queue. That’s really convenient.
7. Continue to earn credit card rewards/miles/cashback
Even more, discount via double dipping and still be rewarded with your credit card rewards.
Save on Petrol Prices – Cons
1. New to Many
I understand the scepticism but what have you got to lose other than savings for your petrol.
2. No accumulation of reward points on your petrol loyalty card
You don’t earn kiosk points or rewards that you have accumulated for some time. To me, there’s a cost to everything including reward points. Just finish up your points or claims and move on to something else. But you still earn reward points for your credit card (No exclusion for most cards – At least I still earn mine on my Premier Miles Card)
3. There will be a 1.8% fee for the credit card charges
I believe that they use Stripe as their provider so the B2B fees will be at 2.4% and they roll it to consumer at 1.8%, hence the discount will be All-in 21.2% or 22.2% which is still decent.
From what i understand, one can use the giro payment and it takes 4-8weeks to set it up. There’s no fee for that however if any one Giro payment fails, thats the $10 fee slapped on your bill for the GIRO return so think wisely. I think it is still good to go on credit card recurring payments.
If you like what you are seeing, do remember to check them out and do your diligence. There is no one-size-fits-all investment strategy and no one solution to life. Join my telegram group to find out more about deals and join the community to connect for ideas: Life Journey Telegram
Saving money is an essential aspect of personal finance. Implementing some smart strategies can help you build your savings and achieve your financial goals. Here are a few tips on how to save money:
A Rainy Day fund is more apparent in 2024 as we all set ourselves for the soft landing ahead
Create a Budget:
Start by reviewing your expenses and income. This will give you a clear picture of where your money is going and help you identify areas where you can cut back.
Track Your Expenses:
Keep a record of all your expenses, including small purchases. This will help you understand your spending patterns and identify areas where you can make adjustments.
The envelope theory involved stashing cash away in different envelopes. This helps with the first condition – budgeting. In this day and age, perhaps a better way is to use a digital app such as Dobin.
I’ve found the ultimate personal finance app: It helps to manage my money & save on everyday purchases.
Review your expenses and identify items or services that you can live without. Consider making small lifestyle changes such as reducing dining out or entertainment expenses.
If you really still plan to have these expenses to eat out. Perhaps playing the miles game as you spend to double dip on rewards.
Kris+ is a lifestyle rewards app that gives you discounts and privileges at over 1,000 partner outlets islandwide! Earn rewards (KrisPay miles) for payments made on the app, and use them to offset future purchases!
Quote: Sign up now with my link below, and my referral code L329518 and we’ll each be rewarded with SGD 5 worth of KrisPay miles upon your first transaction on the Kris+ App
Don’t forget to check in daily every week to earn about 30 KrisPay Miles. Meanwhile, you can also utilize Google Pay to make payments via Krist+.
Quote: Use my code when you sign up and transact at least S$10 for the first time in Google the e Pay App or use my code t74cf8f
Meal Planning:
Plan your meals ahead of time and create a grocery list. This will help you avoid unnecessary trips to the store and impulse purchases. Look for sales and use coupons to save on groceries.
The CDC vouchers should do most household some good and defray some costs. More about that here if you have not claimed yours. Claiming your CDC Vouchers
Save on Utilities:
Make small changes in your daily habits to save on energy costs. Turn off lights when not in use, unplug electronics when not in use, and adjust the thermostat to optimize energy usage.
Perhaps switching to an Open Electricity Market retailer can save you 10-15% off your electricity bills.
Quote: Sign up for Senoko Energy with my referral code: “YM8SCA2D”. You will receive a S$20 rebate on your electricity bill. Browse their price plans and start saving today. T and Cs apply. Senoko is your electricity retailer
Compare Prices:
Before making a purchase, compare prices from different vendors or stores. This can help you find the best deals and save money.
Double or Triple Dip for More Savings
For comparison’s sake, if you are exchanging a foreign currency for any purpose. You can try iChange for money exchange and remittance.
Quote: Their rates are very competitive. Sent $5 for you to try it out. Download the app here https://ichange.onelink.me/Px1i/iyv9ymrr and add paul38 to receive it.
Alternatively, if you want the convenience of using multi-currency cards, there are three options that you can consider. You get the idea.
The other option is to perhaps consider using a Revolut Card as an alternative and you can get $80 when you make three $10 transactions: My Revolut Referral Link
Quote 3: Use this Crypto.com App to sign up for Crypto.com and we both get USD 50. Code: im3py887ty
Automate Your Savings:
Set up automatic transfers from your checking account to a dedicated savings account. This way, you’ll save money consistently without having to think about it.
Other than a bank standing instruction, the alternative is to use Money Market Funds for either:
Using Tiger Brokers as a platform to sign up to make that regular saving.
The other option is to select another provider such as Moomoo Brokerage Invest App for a great welcome starter kit here at Moomoo Invest App
The third option is to select Webull and get your starter kit promotion. Click here to register at Webull Sign-up link
Avoid Impulse Buying:
Before making a purchase, give yourself a cooling-off period. This will help you evaluate if the purchase is necessary or if you’re buying on impulse. As the saying goes, delayed gratification. Any new tech is always appealing and after a while, it loses its appeal.
Cancel Unnecessary Subscriptions:
Review your subscriptions and cancel those you no longer use or need. This could include streaming services, gym memberships, or magazine subscriptions[1].
Prioritize Debt Repayment:
If you have outstanding debts, focus on paying them down. High-interest debts, such as credit card debts, should be prioritized and paid off as quickly as possible.
Remember, saving money is a gradual process, so be patient with yourself. Small changes can add up over time and lead to significant savings. By implementing these tips, you’ll be on your way to building a more secure financial future.
Disclaimer
If you like what you are seeing, do remember to check them out and do your diligence. There is no one-size-fits-all investment strategy and no one solution to life. Join my telegram group to find out more about deals and join the community to connect for ideas: Life Journey Telegram
If you like what I am sharing or if it resonates with you, do use my referral codes here at Referral Services
Travel season is back and I have been reading up quite a bit about the miles and cashback camp. The last two years, void of travelling were purely a cashback play from many folks except some whom believed that it would all go away. It really depends on how one views rewards because some of those payments are excluded from earning any form of miles or cashback.
With the introduction of a fee-based payment, these rewards come at a price. CardUp used to be a game changer in that sense because rents could be paid and rewards could be earned at the same time. Similar to many companies, they throw out marketing dollars so that people get to know their brand and use their proprietary systems. With the data they have, they can then find out more about people’s behaviour, and make marketing trends that keep the stickiness in clients to continue to use their platform.
Earn to Business or Economy
Credit Card Rewards & Earning Rewards
I’m no exception. I used to be the kind where I would not spend more to earn more rewards. As time went by, I realised that buying miles or arbitrage on cashback difference does make sense for me. My insurance, MCST payments, tax, property tax and other exclusions can now be added to my miles game or cashback. This is pretty awesome if you ask me. Paying and earning the rewards seems to make sense to me today.
I still wasn’t sure what kind of changed me and I constantly paid a small fee to gain that reward which all amounts to nothing previously.
Who and what is card?
CardUp is on a mission to provide individuals and businesses with a better way to pay and get paid. CardUp operates regionally across Singapore, Hong Kong and Malaysia as a major payment institution
If I recall rightly, some time last year they were acquired by funding societies
With CardUp, you can now make and collect payments digitally, including with a credit card, even in places where cards are traditionally not accepted. Some of the items that you can make payments to will be:
Insurance
MCST Fees
Rent and Rental Deposit
Education
Car Loans
Miscellaneous Payments
Domestic Workers salary
Taxes and Stamp Duty
Season Parking
Electricity Bills
I personally forgot about them until they sent me a reminder about the property tax season. It was a pretty decent deal at a 1.75% fee that has no cap. It is not a sponsored post but if you have not had a CardUp account do check it out. If you need any help to understand more, just drop me an email.
Use my code when you sign up at this CardUp Link or use my referral code PAULL34.
Earning Rewards and Miles is a long game and can be rewarding
Meanwhile, thank you for reading here. I am working on something and I might have something interesting out by tomorrow to get a direct 23% off your petrol bills at ESSO without any minimum spending in the form of a fleet card. I probably will avail it to 5 readers for a start before I request more of such deals. Those who drive and want to save all the hassle of saving petrol. It is a simple sign-up process so keep a lookout for it.
Disclaimer
If you like what you are seeing, do remember to check them out and do your diligence. There is no one-size-fits-all investment strategy and no one solution to life. Join my telegram group to find out more about deals and join the community to connect for ideas: Life Journey Telegram
Use my code when you sign up at this CardUp Link or use my referral code PAULL34.
If you like what I am sharing or if it resonates with you, do use my referral codes here at Referral Services
It’s been a while since anything kind of got me excited and Webull along with the money bull is coming along pretty nicely. During the Christmas period, there are some nice promotions to be taken away for a new Webull customer. That’s pretty sweet.
There are two items here to take note of:
There’s a time factor now for anyone who is not a WeBull customer. The promotion campaign is ongoing and running until 29 Dec 2023. Click here to sign up Webull sign-up link
There is something that is running similar to a Cash Fund promotion which doles out extra money.
Benefits of signing up
You just need to open an account with Webull, and fund any amount (no minimum) – get 10 free shares when you open a Webull account and fund any amount. There is also a Moneybull promo you can get up to US$3,000 by participating in it.
Next you have to sign up with Webull and click on the promotion link to open a Moneybull account.
The T&Cs are pretty clear from here. you can only get one of the two promotions. One point to take note of is the SGD-USD exchange rate, you have to ensure that the SGD deposited is equivalent to the USD when exchanged. Then the bonuses are tiered according to either:
Accumulating deposit with Moneybull before 29th December 2023 (3.59PM) and hold the funds until 31st March 2024 (11.59PM)
US$2,000: US$80 cash vouchers
US$100,000: US$3,000 cash vouchers
Additionally, you can put the funds into money market funds and earn the projected yields.
It is really a no-brainer to get free cash. You can also explore another app to see if it does fit with you. Never say never because if you do not try it. You will not know.
It’s been almost nine months since my last post. I am distracted a little in my new job..I’ll say that it is a job, not a career, running almost one year into this new role. I must say that I have not gotten any positives out of this but it is probably a good transition. That brings me back to my goals once more. That is to invest and build more passive income. The basics of passive income seem like that is the way to do things and remember that it is never too late to start anything.
There are two items here to take note of:
There’s a time factor now for anyone who is not a WeBull customer. The promotion campaign is ongoing and running until the end of October 2023. Click here to sign up Webull sign-up link
There is something that is running similar to a Cash Fund promotion which doles out extra money.
Benefits of signing up
You just need to open an account with Webull, and fund any amount (no minimum) – The mechanics is that you get 3 free shares.
Next, maintain the amount for another 30 days and you get another 3 free shares. That makes it a minimal USD60 for this effort. The risk Reward on this is a 5-star so it is a must-do.
It is really a no-brainer to get free cash. You can also explore another app to see if it does fit with you. Never say never because if you do not try it. You will not know.
In my previous post about Ez-link Trival here Ez-link deal , they have upped one more level by allowing Mastercard in their Ez-link payment option.
The Deal
You can now earn an easy S$10 just by logging into their app, there will be an option to use Mastercard to pay for items via Google Pay.
EZ-Link and Mastercard have partnered to launch a new feature called Pay by Wallet.
This would add virtual Mastercard functionality to your EZ-Link Wallet (Google Pay). You can then spend these at more than 80 million Mastercard online and in-store merchants worldwide. Unfortunately, it is only available for Android users for now.
Free S$10
As like any new players in the market, the launch of Pay by Wallet, EZ-Link is offering an instant S$5 credit to users who activate Pay by Wallet on the EZ-Link App.
Do note that you will get an additional S$5 cashback will be credited to you when you make a minimum spend of S$10 within 30 days of signing up. The promotion is not unlimited, please take note.
Should you be interested to sign up for this, do download the Ez Link App and key in my Referral code: 3197B5C
Some Pointers to note
a. This campaign is limited to the first S$100,000 of cashback or the first 10,000 new EZ-Link Pay by Wallet user sign-ups, whichever comes first
b. Next, note that certain transactions are not valid here at T&Cs such as donations, education, government services, hospitals, utilities and AXS. (Standard Stuff)
c. Additional perks:
For every successful Pay by Wallet transaction of at least S$80 made by 31 July 2022, earns you one entry into a lucky draw with the following prizes. (All prize winners will be contacted latest by 30 September 2022):
1N staycation at Equarius Hotel or Hotel Michael with breakfast for two (3x winners)
A pair of Universal Studios Singapore tickets (80x winners)
Conclusion
Again, nothing much to shout about. To make more value for your buck, something to play around with if you have some time.
Disclaimer
This is not a sponsored post. This is purely my own opinion after using their service and/or products. If you like what you are seeing, do remember to check out my referral links.
Now, if what I am sharing does resonates with you, do use my referral codes here at Referral and Recommendations
The pictures were taken from EZ-link website for this article.
Lifejourney 