Here are a summary of the small steps that 笨mummy takes to reap those little perks from her spending and saving that she often shares with her friends and colleagues.
(1) Transport spending
(a) MRT expenses
This was previously blogged by 笨mummy before -Travel Smart reward (formerly know as Insinc)
Sign up and link up your Ezlink card. And you are on your way to earn a bit of money from your daily commuting if you are taking a train to work daily. 笨mummy earned $28 from this program in 2015.
Link to earlier point on Insinc- Insinc point update
(b) Taxi spending
A occasional taxi taker, 笨mummy, has signed up for the cabreward program introduced by Comfort to promote customer loyalty. She can earn points for taking cab and then redeem these points for comfort taxi voucher. It takes about a minimum 1,000 points to redeem a $5 voucher and that meant a spending of $1000 on cabs with payment ie. S$19 per week. Considering that 笨mummy needs to take her son to her mum's place every sun and the cab fare is estimated S$15 per trip. And adding some ad-hoc promotion for bonus points, reaching the minimum redemption points of 1,000 should not be any issue.
Yes, this is previously shared in an earlier blog post - Points system for taking cab.
Yes, this is previously shared in an earlier blog post - Points system for taking cab.
She also regularly checked the comfort website for update on their promotions that allows her to earn from taking cabs. Like the recent promotion with Dash, she can earn 5% rebate on taxi spending and 2x reward points, and 5 x points for birthday month.
(2) Spending on daily necessities
(a) Qoo10 for your diaper needs
There are some expenses that 笨mummy cannot avoid for her little one, such as milk powder, diapers, wet wipe, etc. For diapers, she is not fussy and is willing to get from Qoo10, especially when they offered free delivery to her house (if above a certain amount) and the price is much cheaper than those from the super markets.
(b) Shopback and Redmart
She has been introduced to Shopback and Redmart and getting her milk powder supply online. As the price for the brand of milk powder is more or less standardised whether you get from a supermarket or other sources like Watson in Singapore unless there is a on-going promotion. By using Redmart and Shopback, she could get a 9% as a cash rebate and she can also tag along some cheap and bulky stuff, like toilet papers, tissue, detergent, etc, to the basket so that she can get a free delivery (total purchase of $50 to entitle for free shipping on Redmart) and avoid the need to carry the bulk stuff.
Here is a link to Redmart and shopback via 笨mummy's referral link (Redmart), referral link (Shopback). for those interested to try out, so that she can earn some credit from referral and cut down some of her marketing costs.
(c) Shopping malls rewards
Nowadays, the shopping malls are like a duplicate of the other malls having similar shops and F&B outlets. But to 笨mummy, not all malls are ranked equally as some allow one to earn points (which can be converted to shopping vouchers).
She write a blog entry in the coming week to share the different malls reward programs and also a comparison table on these program .
(d) Credit cards rebates / rewards
One point that 笨mummy has always stress is the use of credit cards rather than cash or net. She is sticking to OCBC card as she needs to the spending to hit the criteria for the 0.5% spending interest to be awarded. As long as a purchase can be clocked with a credit card, she would use the card regardless of the amount, unless paying by NETS or cash is cheaper due to additional charge imposed on credit card payment.
This was mentioned before in a previous blog post - Why pay by credit card?
Here is a link to Redmart and shopback via 笨mummy's referral link (Redmart), referral link (Shopback). for those interested to try out, so that she can earn some credit from referral and cut down some of her marketing costs.
(c) Shopping malls rewards
Nowadays, the shopping malls are like a duplicate of the other malls having similar shops and F&B outlets. But to 笨mummy, not all malls are ranked equally as some allow one to earn points (which can be converted to shopping vouchers).
She write a blog entry in the coming week to share the different malls reward programs and also a comparison table on these program .
(d) Credit cards rebates / rewards
One point that 笨mummy has always stress is the use of credit cards rather than cash or net. She is sticking to OCBC card as she needs to the spending to hit the criteria for the 0.5% spending interest to be awarded. As long as a purchase can be clocked with a credit card, she would use the card regardless of the amount, unless paying by NETS or cash is cheaper due to additional charge imposed on credit card payment.
This was mentioned before in a previous blog post - Why pay by credit card?
(3) Purchase of SGX shares
笨mummy has switched her primary trading platform to Lim and Tan Securities to take advantage of the award of linkpoint for the commission paid - for every $1 commission, 5 link point would be awarded which is 3.33 cents if converted to cash.
For low value purchase (anything with total purchase value below $8K), 笨mummy is using the Standard Chartered Bank Platform instead as it has no minimum commission.
(4) Incremental deposit promotion
笨mummy loves the incremental deposit promotions introduced by the various banks from time to time. She would move her cash from one bank to another just to take advantage of the special interest rate during the promotion and with the introduction of FAST, it is so fast just to move $50,000 from one bank to another.
She would find time to make a blog entry to discuss her strategy.
That's all 笨mummy has to share for now. If anyone has any tip, do share with her. Saving is caring. :)
For low value purchase (anything with total purchase value below $8K), 笨mummy is using the Standard Chartered Bank Platform instead as it has no minimum commission.
(4) Incremental deposit promotion
笨mummy loves the incremental deposit promotions introduced by the various banks from time to time. She would move her cash from one bank to another just to take advantage of the special interest rate during the promotion and with the introduction of FAST, it is so fast just to move $50,000 from one bank to another.
She would find time to make a blog entry to discuss her strategy.
That's all 笨mummy has to share for now. If anyone has any tip, do share with her. Saving is caring. :)
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