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  • Hi warm welcome to my blog. If you are looking to acquire knowledge on managing your day to day finances then your in the right place. 
  • Change is unpredictable. But with SgFinancenTips you will be up-to-date with the most important techniques and useful apps to make your life organised. 
  • I have completed my Masters in Business Administration with Finance as my specialization along with Marketing from India. I have completed an additional Masters from Scotland in Banking and Financial Regulations.  
  • You can trust the information posted is reliable and unbiased. 
  • Consider this as your go to blog for any Financial query. 
I Am an Amazon associate and I earn from qualifying purchaeses that you make by clicking on the links. It's your way of saying thank you to me for my recommendations.

 

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Navigating Homeownership: Insights from "How to Buy Your First Home" by Phil Spencer Buying your first home is an exciting yet daunting journey. Phil Spencer, a well-known property expert, offers invaluable guidance in his book, "How to Buy Your First Home." This resource provides practical tips, strategies, and insights to help first-time buyers navigate the complex real estate market. Here’s a summary of key takeaways and tips on how to make the most of this book. Key Takeaways from the Book: 1. Understanding Your Finances : Spencer emphasizes the importance of assessing your financial situation before diving into home buying. This includes evaluating your income, expenses, and savings, as well as understanding your credit score. 2. Setting a Realistic Budget : Establishing a clear budget is crucial. Spencer advises considering all costs associated with buying a home, including deposit, mortgage payments, insurance, and maintenance. 3. Choosing the Right Locatio...
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Credit Card Simplified

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Credit Card Simplified Credit card may give an image of joy or fear. It can be good or bad. But if you keep reading you may find out that having a credit card is helpful. ·          Credit card is given to a person by a bank as a privilege. Bank keeps in mind your salary and debt to income ratio to set your credit card limit. The higher your debt the lower your limit. ·          Bank provides you a credit card as a benefit to you and their services. Credit card is a short loan provided to you to afford things which you could not purchase on debit card. ·          This increases banks brand and earn extra money in case you miss your payments on time. But if you pay your payments up-to-date then you have no interest charges and you have what you wanted to purchase. ·          My advice is that you check your statem...
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INSURANCE

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To avoid risk in your daily life you must be assured of some security for your precious life, security for your journey, security for your business and the list goes on... For this very reason Financial Institutions have provided safety measures which can protect us from these unexpected risks, that is nothing but Insurance! The utmost important insurance is Life Insurance. It will give your family security when you are not there for them or unwell due to unexpected conditions.  It can be accessed when you need money for an emergency. It's like a saving for a purpose which should not be touched unless for the very purpose mentioned.  Life insurance is a strong wall of protection for your loved ones. It makes sure amount is deducted at the right time each month. I believe that you earn for yourself and not to pay bills alone. So make sure you do yourself a favor by setting up a life insurance to be safe in future. Do not forget it can be added in your IT return f...
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