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Eugene Chai - 04 Aug 2026
Bad credit recovery steps Singapore: 30/90/365 playbook
TL;DR: To improve your credit score in Singapore quickly, stop all new credit applications, pause discretionary spending, and dispute any…
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Eugene Chai
- 03 Aug 2026
CDC voucher benefits for Singapore households: 2026 guide
Every eligible Singaporean household receives CDC Vouchers for the 2026 (June) tranche, split equally between hawkers and heartland merchants and…
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Eugene Chai
- 02 Aug 2026
What is a debt spiral and how do you escape it?
TL;DR: A debt spiral is a self-perpetuating cycle where taking on new high-cost credit causes debt to grow faster than…
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Eugene Chai
- 01 Aug 2026
Rebuilding savings after a setback: Singapore plan
You can restore a working emergency fund and stabilise cashflow by following a one-week triage and a staged monthly plan…
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Eugene Chai
- 31 Jul 2026
Role of MediSave in retirement planning: 2026 guide
TL;DR: MediSave is essential for funding healthcare and insurance premiums, protecting your retirement income. Voluntary cash top-ups are irreversible and…
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Eugene Chai
- 30 Jul 2026
Role of financial statements in investing: your 2026 guide
TL;DR: Financial statements provide essential, standardized data on a company’s profitability, cash flow, and financial health. Reading all four core…
