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Demi Zhuang
Singapore
Приєднався 8 жов 2021
I LOVE all things personal finance - saving, budgeting, tips and tricks to save on my already incurring expenses. I’m documenting my personal finance journey towards achieving my dreams on this channel and hope it'll inspire others, like you, to create a life that you love to live (and some useful travel tips 🙂).
If you are interested, follow along on this journey~
A disclaimer, all videos are meant for education and entertainment purposes only. You are advised to perform independent research yourself or seek a qualified financial adviser. I will not be liable for any losses directly or indirectly from any product / material provided and mentioned. This channel has not been reviewed by the Monetary Authority of Singapore.
If you are interested, follow along on this journey~
A disclaimer, all videos are meant for education and entertainment purposes only. You are advised to perform independent research yourself or seek a qualified financial adviser. I will not be liable for any losses directly or indirectly from any product / material provided and mentioned. This channel has not been reviewed by the Monetary Authority of Singapore.
I Found the NEW Best Card for Overseas Spending
Watch all the way through to see the in-depth comparison and who ranks first place to get the best foreign currency exchange rates! 🙂
🎁 Sign up for Trust Cashback card with code ➡️ BRM1GU31
Receive a sure-win scratch card of up to $1,000 Cashback, minimum $5
No Annual Fees
You don't have to hit the minimum monthly spend for the unlimited 1.5% / 1% instant cashback.
No Foreign Currency Exchange Fees
🔗 trustbank.sg/cashback-credit-card/
🔗 trustbank.sg/link-credit-card/
🌟 INSTAREM ➡️ bit.ly/49fngBD
🌟 REVOLUT ➡️ bit.ly/3UHBgPZ
🎁 WISE ➡️ Fee free transfer / conversion on first S$900 -bit.ly/3T0MAph
🎁 YOUTRIP ➡️ Receive $5 on first top up - bit.ly/3uueoch
🌟 GXS ➡️ Use code 'DEMI975'
ua-cam.com/video/FQXY_WOBLb8/v-deo.html
ua-cam.com/video/xpGTkkC_z6g/v-deo.html
ua-cam.com/video/-nhBTOJNr5k/v-deo.html
Comparing these 6 multi currency cards against one another on two levels. First, for the transactions alone and second, taking into account the cashback. All transactions on different cards were done 1 min after the other on the same day. Watch on to find out whats the ranking like for YouTrip, Instarem, Revolut, Wise, Trust Bank Cashback Credit Card and GXS Bank.
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Connect With Me
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📫 Email - demi.zhuangg@gmail.com
Contact me - tally.so/r/w8xgRP
👋🏼 Instagram - demiizhuangg
🌐 My Website - demizhuang.com
📩 Sign up for my Free Newsletter - demizhuang.substack.com/
💛 My Digital Products - ko-fi.com/demizhuang/shop
------------------------------------------------
Disclaimer
Hey guys, I just wanted to mention that with all the videos I've posted to-date should not be taken as financial, investment or trading advice. All views expressed in the videos are that of mine. Remember to always do your own research before making any decision. All that I've mentioned in the videos are ways and how it has helped ME in my personal finance journey. I hope you take away snippets of insights and if it can be applied to your financial situation that'll be great. I do not represent and will not be liable in any way for the decisions you make after watching the video. 🫡 Some links above are affiliate link. I earn a little at no cost to you!
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TIMESTAMPS:
00:00 - Introduction
00:25 - Why not MariBank Credit Card
00:47 - Level 1 Comparison
01:31 - Cards with Cashback Reward
02:30 - Level 2 Comparison (with cashback)
04:29 - Mastercard or Visa, Does it matter?
04:47 - Conclusion
------------------------------------------------
🎁 Sign up for Trust Cashback card with code ➡️ BRM1GU31
Receive a sure-win scratch card of up to $1,000 Cashback, minimum $5
No Annual Fees
You don't have to hit the minimum monthly spend for the unlimited 1.5% / 1% instant cashback.
No Foreign Currency Exchange Fees
🔗 trustbank.sg/cashback-credit-card/
🔗 trustbank.sg/link-credit-card/
🌟 INSTAREM ➡️ bit.ly/49fngBD
🌟 REVOLUT ➡️ bit.ly/3UHBgPZ
🎁 WISE ➡️ Fee free transfer / conversion on first S$900 -bit.ly/3T0MAph
🎁 YOUTRIP ➡️ Receive $5 on first top up - bit.ly/3uueoch
🌟 GXS ➡️ Use code 'DEMI975'
ua-cam.com/video/FQXY_WOBLb8/v-deo.html
ua-cam.com/video/xpGTkkC_z6g/v-deo.html
ua-cam.com/video/-nhBTOJNr5k/v-deo.html
Comparing these 6 multi currency cards against one another on two levels. First, for the transactions alone and second, taking into account the cashback. All transactions on different cards were done 1 min after the other on the same day. Watch on to find out whats the ranking like for YouTrip, Instarem, Revolut, Wise, Trust Bank Cashback Credit Card and GXS Bank.
------------------------------------------------
Connect With Me
------------------------------------------------
📫 Email - demi.zhuangg@gmail.com
Contact me - tally.so/r/w8xgRP
👋🏼 Instagram - demiizhuangg
🌐 My Website - demizhuang.com
📩 Sign up for my Free Newsletter - demizhuang.substack.com/
💛 My Digital Products - ko-fi.com/demizhuang/shop
------------------------------------------------
Disclaimer
Hey guys, I just wanted to mention that with all the videos I've posted to-date should not be taken as financial, investment or trading advice. All views expressed in the videos are that of mine. Remember to always do your own research before making any decision. All that I've mentioned in the videos are ways and how it has helped ME in my personal finance journey. I hope you take away snippets of insights and if it can be applied to your financial situation that'll be great. I do not represent and will not be liable in any way for the decisions you make after watching the video. 🫡 Some links above are affiliate link. I earn a little at no cost to you!
------------------------------------------------
TIMESTAMPS:
00:00 - Introduction
00:25 - Why not MariBank Credit Card
00:47 - Level 1 Comparison
01:31 - Cards with Cashback Reward
02:30 - Level 2 Comparison (with cashback)
04:29 - Mastercard or Visa, Does it matter?
04:47 - Conclusion
------------------------------------------------
Переглядів: 7 946
Відео
Post surgery update…
Переглядів 9 тис.12 годин тому
Thank you for being patient with little to no updates since the last vlog! Wanted to do this earlier but it was really hard to move about prior to this. Never imagined this is what I'd be facing at 28 years old all because of 1 fall but it is what it is. My DMs are still open if you have any questions demiizhuangg Sponsor: Wise 🌟 Sign up for Wise ➡️ Get your fee FREE transfer S$85...
THE END Standard Chartered Smart | Alternatives & Redemption
Переглядів 9 тис.21 годину тому
2024 is a year of nerfs for Credit Cards 😅 Here's the update for Standard chartered smart credit card, what changes can we expect from 06 December 2024 and some alternatives to consider. If you belong to the No min spend. CC group, you don't have to make a change until 31 March 2025. retail.sc.com/in/rewards360/rewards_home/sg www.sc.com/sg/important-information/changes-to-smart-cc-faqs/ Smart ...
How much 9 Sources of Income paid me in October
Переглядів 6 тис.14 днів тому
Can I repeat September's income again? Here's how much my 9 streams of income made in October. Sponsor: StashAway Get your first 6 Months of $20,000 managed for Free ➡️ www.stashaway.sg/ref/demizhuang Looking for ways to invest your SRS monies, check out StashAway's Flexible portfolio ➡️ www.stashaway.sg/flexible-portfolios StashAway is a brand of Asia Wealth Platform Pte Ltd (201624878Z), whi...
If you've always been afraid of investing... | Syfe S&P500 Downside Protection
Переглядів 6 тис.21 день тому
Singapore's first protected portfolio by Syfe. If you've always put on hold investing in the S&P500, this downside protected portfolio could be the one for you! Sign up 🎁 for New AND Existing Customers from now to 30 November 2024 Use promo code ➡️ DSPDEMI to get fee rebates for 3/4/5/6 months depending on your Deposit amount 🔗 www.syfe.com/magazine/demi-exclusive-syfe-protected-portfolios-prom...
Stop using UOB One! Trust Bank Cashback Credit Card could be your BETTER alternative
Переглядів 20 тис.21 день тому
Video is not sponsored, if you’re signing up, support by using my code 🙂 🎁 Sign up for Trust Cashback card with code ➡️ BRM1GU31 Receive a sure-win scratch card of up to $1,000 Cashback, minimum $5 🔗 trustbank.sg/cashback-credit-card/ 🔗 trustbank.sg/link-credit-card/ If you've always thought you needed to spend on a UOB Card just for the savings account interest, think again. or just watch this...
How I Spent and Invested my $20,000 Income from September
Переглядів 11 тис.28 днів тому
If you haven't caught the breakdown of my income streams for September ➡️ ua-cam.com/video/8S77xmF_aj8/v-deo.html Sponsor: Kick start your investment journey with a Regular Savings Plan on Moomoo SG with as low as USD$10 🎁 New User Rewards up to S$1,034 📝 Step by Step Guide on my website ➡️ bit.ly/4cT4Qsa 🌟 Sign up with my link to receive an additional $20 ➡️ start.moomoo.com/01jXba 👉🏼 Deposit ...
Stop using YouTrip Overseas! 5 Reasons Why Trust Bank is your SIMPLER & Safer Alternative
Переглядів 80 тис.Місяць тому
Video is not sponsored, if you’re signing up, support by using my code 🙂 🎁 Sign up for Trust Cashback card with code ➡️ BRM1GU31 Receive a sure-win scratch card of up to $1,000 Cashback, minimum $5 🔗 trustbank.sg/cashback-credit-card/ 🔗 trustbank.sg/link-credit-card/ Here are 5 reasons why Trust Bank Credit Card is your all in one travel card an alternative to YouTrip. From now to 31st December...
Life update...
Переглядів 12 тис.Місяць тому
This pretty much sums up my simple life here in Singapore. Ergotune Vesby ergotune.com/products/ergotune-vesby Connect With Me 📫 Email - demi.zhuangg@gmail.com Contact me - tally.so/r/w8xgRP 👋🏼 Instagram - demiizhuangg 🌐 My Website - demizhuang.com 📩 Sign up for my Free Newsletter - demizhuang.substack.com/ 💛 My Shop - ko-fi.com/demizhuang/shop Free Music for Videos 👉 Music by Tos...
My 9 Income Streams that made me $20,000 in September
Переглядів 42 тис.Місяць тому
These are my 9 Sources of Income that made me about $20,000 in September. First 5 are pretty much passive while others are active income. Affiliate Link 🔗 Moomoo's 6.8% p.a. Guaranteed Returns continues for New Users for 30 days! 🎁 Maximum Returns S$447 (deposit S$80,000) | min $0.01 up to S$1,034 Total Rewards ⏳ 23 July 2024, 10:00PM SGT - 02 December 2024, 9:59PM SGT 📝 Step by Step Guide on m...
I stacked ShopBack Cashback and Credit Cards to get a FREE flight to Japan
Переглядів 32 тис.Місяць тому
🎁 New to ShopBack receive S$10 ➡️ app.shopback.com/sgp/partner/demi10 Wow, the Cashback after stacking both ShopBack and Credit Cards can get pretty substantial when booking for a holiday ✈️ After running the numbers it pretty much gave 1 of us a free return ticket to Japan. Trip-tastic deal happens every 21-23 of the month, stay tuned for October's deal. 💳 DBS Womans World Mastercard - bit.ly/...
I found the CHEAPEST way to Invest into the S&P500 ETF CSPX | Step by Step Guide
Переглядів 21 тис.Місяць тому
We're all on the hunt for a platform to invest in regularly and for as little fees as possible. When I was doing the switch from VOO to CSPX I never knew there was a platform that allows us to invest for free! Thank you to @ahsiong88 and @kitsura ! 🙂 FSMOne's ETF Regular Savings Plan has 0% processing fees where you can invest from as low as S$50 each time. Most importantly, it allows us to...
This might be the last of Money Diaries...
Переглядів 24 тис.Місяць тому
This might be the last of Money Diaries...
I tried Trust Banks New Cashback Card | Full Review Watch before you apply!
Переглядів 12 тис.2 місяці тому
I tried Trust Banks New Cashback Card | Full Review Watch before you apply!
How I plan for my Travels for the Best Value | Travel Planning w Wise
Переглядів 3,2 тис.2 місяці тому
How I plan for my Travels for the Best Value | Travel Planning w Wise
Things I Wish I Knew Before Investing | BEGINNERS ONLY
Переглядів 8 тис.2 місяці тому
Things I Wish I Knew Before Investing | BEGINNERS ONLY
Lost my Wise Travel Card 🥲 | Day Trip to Johor
Переглядів 9 тис.3 місяці тому
Lost my Wise Travel Card 🥲 | Day Trip to Johor
July Income and Expenses | Mid Year Check in Savings Rate for 2024
Переглядів 7 тис.3 місяці тому
July Income and Expenses | Mid Year Check in Savings Rate for 2024
Difference between Moomoo's SGD Cash Funds | my 6.8% Returns Revealed
Переглядів 14 тис.3 місяці тому
Difference between Moomoo's SGD Cash Funds | my 6.8% Returns Revealed
Update your No minimum spending Credit Card combination for Cashback AND Miles
Переглядів 15 тис.3 місяці тому
Update your No minimum spending Credit Card combination for Cashback AND Miles
June Income and Expenses | NEW Income source, applying the concept of a sinking fund
Переглядів 8 тис.3 місяці тому
June Income and Expenses | NEW Income source, applying the concept of a sinking fund
Best Multi Currency Card Rates Update 2024
Переглядів 13 тис.4 місяці тому
Best Multi Currency Card Rates Update 2024
How I got a FREE Trip to Japan VLOG | NOT Sponsored
Переглядів 8 тис.4 місяці тому
How I got a FREE Trip to Japan VLOG | NOT Sponsored
Switching from VOO to CSPX | I sold ALL my S&P500 ETF
Переглядів 68 тис.4 місяці тому
Switching from VOO to CSPX | I sold ALL my S&P500 ETF
It’s Over for Cashback Credit Cards… ✄ UOB EVOL ❌
Переглядів 9 тис.5 місяців тому
It’s Over for Cashback Credit Cards… ✄ UOB EVOL ❌
Accounting for my Income and Expenses in Singapore | Dividends, YouTube Income, How I Spend my Money
Переглядів 10 тис.5 місяців тому
Accounting for my Income and Expenses in Singapore | Dividends, UA-cam Income, How I Spend my Money
How Much We Spend a Day in New York City
Переглядів 3 тис.5 місяців тому
How Much We Spend a Day in New York City
How I Chose Moomoo Singapore to Invest On (SG Stocks) | The Most Important Analysis
Переглядів 9 тис.5 місяців тому
How I Chose Moomoo Singapore to Invest On (SG Stocks) | The Most Important Analysis
How Much Money I Have Saved and Invested at 28 Years Old
Переглядів 78 тис.6 місяців тому
How Much Money I Have Saved and Invested at 28 Years Old
It has became 3.1% 😢😢😢
I dont like trust as their exchange rate isnt spot on and varies quite abit from different currency. For example, in Aus and JP, trust is noticeable worst than both revolut and youtrip. What i found best is that their customer service as i had a "fraudulent" transaction on my card and was connected to their live call almost immediately. One suggestion that worked well for me is to use a 2 card strategy, one for ATM withdrawal and one for contactless payment. Use Youtrip (better rates) for ATM withdrawal and immediately block the card, to mitigate ATM Skimmer. Use TRUST credit card for contactless payment and make use of their cashback to make up for their poorer exchange
So we should take which comparison table 1:04 or 3:20 to make a decision?
3:20
U look so much different without your glasses 🤓
😂
invest into the s&p6900 instead. it will go to trillions of dollars in market cap
I only have the Trust link visa card. No income can apply for the Trust cashback credit card ? I don't mind ntuc link points. So the difference is 0.22% link rewards and 1.5% cashback ?
Noticed your video thumbnails now are without specs and with some makeup 🤪
Your wellbeing comes first😊
What about the Trust Ulink Credit Card?
Gives link points as rebates. Rates are the same as Trust Cashback card.
@@DemiZhuang If same rate what's the benefit of getting link points instead of cash?
i didn't understand the name of the platform she said
Why trade?! Just invest in it for the long run and forget about it.
Hi Demi, do you have some comparisons if using eg Instarem paired with credit card for the bonuses from the credit card? As I saw only instarem wallet is compared instead of the credit instarem to card (using the instarem to citibank for reward points)
Scam , Was told about refer a friend get a reward , So i refered 2 . But got message saying not eligable for reward due to terms and conditions. Revolute is dodgey
Haha their referral programme is harddd!
I still likes wise as it has more functions
Somehow trust card can’t be used at certain places when I was in the US, I do not know why…and booking with trust card at some portal also was not accepted…lucky I had YouTrip to fallback without incurring fx….
what about the uob FX debit card?
There are fees too
@DemiZhuang signed up for it cos they claimed there wasnt any transaction fees. :( anything i missed out from here.
@DemiZhuang they were advertising it as no transaction fees :(
Hi Demi, may I know which Hotel and the rates per day you were staying during your "break"? Thanks
Hi Demi, how do i track back which category I had chosen for the trust cashback card
Under cards press on cashback. Thats where you will find it.
Hi Sweetie, how are you today? Do you have the longbridge referral? Wanna support you again 😊
Ah I do not have longbridge referral for now
Is ur back better now?😊
Yess slightly better!! :) Thank you for asking! Haha
Just checking, for the trust Cashback credit card, if i only intend to use it overseas which i definitely wont hit the min spend of $500,$1k or $2k, will i still enjoy 1% as an exisiting users? E.g. i spend $100/month overseas, do i get $1 cashback 😅
Yes u will! No need to meet the min spend, just choose a category that you won’t use overseas 😅 and any eligible spend outside of that category will earn you the 1% cashback
@DemiZhuang sorry may I clarify why I have to choose a preferred category which I won't use overseas?does choosing a preferred category means having to hit the min spend as well? I.e. if I were to choose dining as my preferred category and I only manage to spend $100/month, does it mean I won't get even 1% Cashback?
Yes. So don’t choose dining as you will likely spend on food overseas. That won’t earn the 1%. The chosen category will earn the bonus rates only if you hit the minimum monthly spend in the quarter. So maybe choose entertainment or wellness?
@DemiZhuang thanks for the clear explanation! Having know the perks on how to maximize its usage(and avoiding the pitfalls), will go apply using your referral code! (:
@@DemiZhuang hey Demi, hope your back's better! also, damn..! i just saw this, and came back from a 3 days JB trip earlier. i selected dining as my preferred category 🥲same situation as @passerby-z. i suppose my expenditure on dining won't get any cashback then? 😭 EDIT: from what i see on the cashback received so far, looking at the related transactions. it's not from the dining
Do take note if you spend in the selected category for Trust Cashback card, you will NOT get the 1.5%cashback unless you hit the minimum spend for that category for the bonus cashback. Example, I chose travel, and I spend 1k on hotel, there are NO cashback at all, unless i spend consecutively for 3 months. Which can be a costly mistake as I am missing out on the $15 cashback and yet paying a slighting higher exchange rate as compared to Youtrip or Amaze wallet.
Hi Demi, if I use YouTrip while locking it constantly, will it be better?
What do you mean by better?
@DemiZhuang is it safer? I know that there was a big incident but that was related to reuse of approval codes and was not a new fradulent transactions
I came across comments stating even though card was locked it still went through. But there was some reason behind it.
@@sethteas5195I don’t think approval/authorisation code can be reused
@@DemiZhuangpossible via offline transaction that don’t need authorisation
🎁 Sign up for Trust Cashback card with code ➡ BRM1GU31 Receive a sure-win scratch card of up to $1,000 Cashback, minimum $5 🔗 trustbank.sg/cashback-credit-card/ 🔗 trustbank.sg/link-credit-card/
hi! new to investing here, i saw that fsm stated that there is 'a flat processing fee of S$8.80 for SGX Stocks/ETFs for all clients', has this changed from what u mentioned about its 0% processing fees? thanks! :D
It's free only for the regular savings plan purchase! if you manually buy then the respective fees will apply!
Thank u Demi for the good enriching contents do get well soon take care
Get well soon!
Can consider DCS Flex card too
Get well soon. Stay strong. We will wait for you
It's really, really good news. Your journey proves that our financial health will greatly protect our physical health in an emergency situation! That's great news that you can get back to normal activities. Take care and best wishes for you. Waiting for upcoming contents from you ^^
the citibank reward card pair with amaze card combo can get 10x on hair salon and guardian pharmacy and watson?
Yes
If lump sum investment u will still recommend FSMone ? cus i plan to do 1 lump sum investment and then RSP
Hmm if you want to consolidate all on one platform, set up the RSP to buy the lump sum, subsequent monthly purchase just amend the amount accordingly before the next purchase happens.
@ thank u sounds good Demi. would u be doing a video of ur progress with IBKR and Fsmone I think many of us are interested in the process and selling fee etc 🙏🏻
祝你早日康复 期望在新山看到你
Now I use Trust link card for anything to gain NTUC link points. Free food. lol 🤣 Use Trust card to buy a $3000 aircon and get $15 NTUC points. Maybe.
Do you have a Roth ira?
Jia you, keep on your physio routine! Rooting for you!
Thank you ☺️
Hi Demi! Thanks so much for this video :) Would be interested in also finding out your recommendations for SRS Investment into S&P500 ETFs!
I try to DCA consistently from my salary, but if there's a significant downturn I increase the amount I invest propertionately, if I have cash to spare (assuming you have enough emergency funds and are well-insured against emergencies).
What app to use
you are speaking too fast!
Thanks for the analysis! A bit off-topic, but I wanted to ask: My OKX wallet holds some USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). How can I transfer them to Binance?
why are u investing in something that will give 10 to 15 present max profit when u can just buy gold please help me understand? and gold seems to me is a lot more safer too.
I made 20% this year
anything with minimum monthly spend is a deal breaker.
If the goal is just for the unlimited instant cashback overseas you don’t need to fulfil the min monthly spend
Please take time to rest and recover! Will patiently wait for your upcoming videos. Cheers
Thank you 🥹
Some people can't sign up for credit card due to monthly cut's.
Love to see how you spend you days in korea or overseas for that matter . Take care and hope that you recover soon !
Get well soon and be very diligent in your physio. I had a VERY bad arm injury last year and went through an op. It took me about 6 mths to recovery. It has been 1.5 yrs since and I am almost back to normal. Wishing you all the best. Keep us updated !
Thank youu!! Will do more vlog when I can.
Please take care of yourself, hope to catch you around Thomson area again
say hi if you do! haha
Pray that u will have a swift recovery and complete healing of your spine. 🩷 Health is wealth as we get older. 🩷 btw, which hotel/apartment is this, very nice sia... one day will go try haha 😊🩷🩷
Capri Fraser!
I went thru the L4-L5 surgery earlier this year, the recovery really slow, went for more than 10 sessions of physiotherapy my walking is still not normal like before. I see you are recovering very well, take care & you will be good!
💪🏻💪🏻💪🏻