Earn Perx Points When You Travel using ANY Public Transport

Yet another reason to take public transport.

I wrote last week that you can get cash rewards through the Travel Smart Rewards Programme. In addition, you can also get Perx Points through the new EZ-Link Rewards Scheme (sorry, NETS FlashPay cards don’t qualify). Like Travel Smart Rewards, Perx is free to join. Perx is a loyalty platform that incentivizes users to collect chops from merchants to unlock rewards. All merchant cards, including EZ-Link, are stored and easily accessible to you through their free app (so you don’t have to worry about applying for, forgetting or losing your loyalty card from a merchant that is on their platform). These programmes, in addition to the extension of free pre-peak travel (before 7.45am on weekdays) to 18 designated MRT Stations, is another reason why it’s awesomely frugal to take public transport. (more…)

Earn Cash Rewards when you Travel on the MRT & LRT

The next time you top up your card, you might find a little surprise.

The Travel Smart Rewards programme is one of the best kept secrets in Singapore. It’s free to join and you get paid for doing what you normally do anyway (i.e., ride the trains). All you have to do is sign up on their website and enter your name, email and Cepas card number (only adult EZ-Link cards, adult NETS Flashpay cards, University/Polytechnic/ITE concession cards, and Senior Citizen concession cards are eligible). Please note that only one card can be registered per user. (more…)

Make Your Own Fluoride-Free Toothpaste – It’s Easy!

-photo by Mandy Jouan
No cavities or sensitivity after 3 years of using this fluoride-free toothpaste!
(photo by Mandy Jouan)

More than 3 years ago I saw a documentary on the dangers and side effects of fluoride by the Fluoride Action Network, which, along with my own additional research, made me question the benefits of commercial fluoridated toothpaste. I stopped using commercial toothpaste after that. And have since been using my own homemade toothpaste and the Philips Sonicare toothbrush to brush my teeth. My dentist just gave me a clean bill of health. He even said my gums and teeth have never looked healthier. The recipe I use is easy, quick to make, and very inexpensive. (more…)

Set Sail on the Marina Bay for FREE

sailing2
Want stress relief? Why not go sailing?

I had the amazing opportunity to sail on a DBS sailboat (the same one that will be used at the SEA games) as part of the DBS Marina Sailing Programme, organised in partnership with the Singapore Sailing Federation (SSF). Launched in 2013, this programme gives the public the chance to learn some basics about sailing, experience the Marina Bay from a different perspective, and enjoy a 40-minute scenic and exciting ride. (more…)

A Free Workout for Every Day of the Week

hpb workout
There are tons of free workouts at malls, near workplaces, and even at private gyms.

Staying fit, healthy, and flexible doesn’t mean you have to buy a gym membership. There are plenty of free workouts island-wide that I’ve written about in the past, including Health Promotion Board’s Sunrise in the City and Sundays in the Park Programmes. You can also apply for and use your free $100 ActiveSG credits for entry to any of the 16 ActiveSG Gyms (a list of them is here). On top of that, here are a few more ways to get fit the frugal way. (more…)

4 Things to Invest in that will Make You (Not Your Financial Planner/Broker) Wealthy

investing conf
You’ll never hear these tips in a financial seminar (because these tips won’t generate a commission).

It seems that everywhere you look, there’s some guy hosting a free seminar who’s going to tell you secrets on how to pick winning stocks. Sometimes these talks are hosted by financial services companies like RHBInvest and Phillip Capital. Or, they are given by notable “experts” in the field, like Mark Lin and Nicholas Tan. Other seminars are held by financial education companies, like Wealth Mentors, where much of what they teach could be found in a good book (free, from the library).

As a former financial educator who was not tied to an investment company or to selling certain products (and therefore, I had absolutely no conflicts of interest), I can honestly say that for the vast majority of people, these seminars won’t benefit them. They will mainly benefit the organiser(s). So what should these people invest in? (more…)

Where to Buy Vitamins and Supplements

Two online supplement shops that provide cheap and fast shipping to Singapore.

Although vitamins and supplements are not regulated by any government agency or organization in terms of their efficacy or even their authenticity and purity, just about everyone I know takes them. And many people even swear by them. The HSA states on their website that “unlike medicines which contain potent medicinal ingredients, health supplements are currently not subject to approvals, licensing or registration before being sold in the local market.”

Many people are unaware of this warning, and believe that as long as they buy from local stores, they are buying a product that has been tested and found to be safe and effective. Online sources, for many, are considered unsafe. However, there really is little difference since all supplements, no matter their source, are not regulated. But if you buy from local “brick and mortar” stores, such as Guardian, Unity, GNC, or Holland & Barrett, you may be spending 10-50% more than if you buy online. The selection online is also more vast. (more…)