Handling money is a day to day task. You earn your income when you work but on the other hand, you also incur expenses when you work due to food and transport.
As the cost of living in Singapore rises, our income need to cater to our needs and wants. A car can be a mode of transport for one family(a Need), yet it also can be a sign of status for another (a Want).
In this digital age, spending money is as easy as one tap of the phone. Thankfully, there are apps that help to keep track of expenses as well!

Below I have link the app that I use and advise client to use to keep track of their dollars.

Android : Download here
Apple    :  Download here

”If you don’t know where to go, everywhere I bring you to is correct”
As a financial adviser, our job is assisting our clients to make the most informed decision based on their needs and wants. However, there are situation where clients do not know what do they want to achieve financially.
I have list down some milestones that most people go thru in their lifetime:
    1. Owning your own property (or maybe have multiple properties)
    2. Passive income to sustain lifestyle without working
    3. Travelling around the world
    4. Providing for your loved ones