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There are times when you make some unwise choices that will make you acquire debt. In the beginning, debt may not seem to be too problematic but if you would just let your debt acquire and become bigger as the years go by, you may end up with debt that you do not know how you can pay for.


Paying for your personal debt is not an easy task. In fact, you need to spend a lot of time and effort budgeting the money that you get from your source of income. You also have to make sure that you are going to make some changes with your life. Otherwise, you may only end up increasing the debt even more.


Before you can afford to purchase a unit at The Grandeur Park Residences, you have to make the effort to pay off all of your debt first. When you are living your life debt free, you will realize that it feels really good. These are just some of the things that you can do:


1. Take a look at the insurance policies that you are paying for as well as the bills that you are getting. Is there some way for you to reduce the amount that you have to pay? If you can bring down your payments, this means that you do not have to spend too much every month, you may have more money available to pay your debt.

2. Get rid of the subscriptions that you do not need. Do you actually need those magazine subscriptions? Even if they are not expensive, you have to eliminate the things that you have to pay for. You can get rid of this as well as other unneeded subscriptions you may have at home.

3. If there are some items around your house that you do not need anymore, you can sell those things and earn money in the process.

4. Try to find coupons that will allow you to get discounts on the things that you normally purchase from the supermarket.

5. Get part time work. You know that you need to boost your income. By doing this, you can have more money that you can use to pay off your debt. You can get rid of your debt when you check this out:



If in case you need some recreational activities, remember that there are books that you can borrow in the library. You may also watch some videos online for free. There are things that you can do now that was not available before. By doing the things mentioned above plus learning other things to do to get rid of debt, you can slowly be on your way to living a debt free life.

I always wanted to do some investment. But, never knew how to do it. Then looking for some useful tips, I came across this highly infomative post. It was so good that I thought it must be shared with everyone. The blogpost which I am talking about is available here. If you are interested to know about Grandeur Park Residences Website, why dont you read further..

Grandeur Park Residences is the latest up and coming private property project in Tanah Merah. As the news and publicity is not on a mass scale yet, if you read this article, great! If you are looking to invest in a property project and reap good returns, then read on.

Tanah Merah has been a sweet location for many private property projects and it is a favorite place by many property investors. If you have missed out many investment opportunities in Tanah Merah projects, then this is the opportunity you must not missed.

Here’s why Grandeur Park Residences is highly favored by investors.

1) Close to Tanah Merah MRT

Needless to say, you know that any property project close to MRT stations are highly popular and favoured by tenants. With close distance to MRT, anyone who stay near there can travel around easily, and with Singapore’s MRT network, it is easy to go anywhere with the MRT.

Plus, Tanah Merah is not just another MRT station. It is more like an ‘interchange of MRT station’. Tanah Merah is connected to the Expo and Changi Airport Station. When I say Expo, I’m not talking about having a lot of people visiting exhibitions at Expo. I’m referring to Changi Business Park which is just beside Expo MRT station. With Changi Business Park, you can expect your property unit at Grandeur Park to be in high demand by expats or professionals looking for a stay near their workplace.

2) Close to Famous Schools

Grandeur Park Condo is also near to Anglican High (secondary) and Temasek Junior College and Victoria Junior College. These are one of the top tertiary schools in Singapore. Plus, Singapore’s 4th government university, SUTD is situated at Expo too! Singapore’s University of Technology and Design is expecting students from Singapore and other countries. This present an opportunity for tenants who are university students who want to stay near their university.

If you want to see the original post, here it is.

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Do you think that you can personally finance your money? If you answer yes, this means that you have successfully managed your money. You have enough money that you can use in terms of emergencies and you consider yourself to be living more comfortably as compared to other people.


If you answer no however, do not worry because there are still different things that you can do so you can become more financially capable. You may want to purchase your very own home soon and you would need moneyiq to help you out. Aside from that however, you need to have enough funds that will allow you to make a big purchase.


Get to know various ways on how you can improve your financial health when you check this out: 


1. Recognize the Lifestyle that You Live


The reason why a lot of people have the tendency not to have enough savings is because they spend their money to the very last centavo. This means that while they do not always live beyond their means, they buy everything that they can without thinking about their future. You should know the lifestyle that you live and stick with it. If you need to have a simple lifestyle in order to have enough money to save, then do this. It will be financially rewarding in the long run.


2. Differentiate the things that you want from the things that you need.


The things that you want are items that you can live without. You may want to have a new pair of shoes but you know very well that you already have enough shoes that you can wear the whole year. The things that you need on the other hand are what you have to pay for in order to survive. Always put your needs first.


3. It will be best if you start saving early.


Do you know that there are some students who start saving early without a goal in mind about what they want to purchase. By the time that they start working, they usually have more than adults who started saving late. If you start saving early, you will have more money for emergencies. Even if you only save small amounts from time to time, it will still make a huge difference.


4. Set up a jar where you can place your money.


There are some people who find it hard to save when they place their money in the bank. They might end up spending their money with the use of their debit or credit card. Perhaps you can have a jar at home that will only contain certain bills of money. This will become a habit later on and you will end up saving more. Perhaps you can find other tips on how you can save at home here.



Remember that your personal finances can be managed easily as long as you are determined to do it.


If you’re a working Singaporean, you should not be new to the Skills Future Credit. The SkillsFuture Credit is a sum of money provided by the government to encourage you to take up courses that will benefit you in the long run. The credit can be used to pay or subsize your own learning. 


You see, the Singapore government is quite good in a sense that they are helping their citizens to improve on their skills and encourage them to learn as much as they can. Or what they call, Life-long learning. Learning doesn’t stop when you end school. Life is all about learning! 


So the thing is, what can you learn? 


There are a range of courses that you can learn. You can learn skills that will help you improve your job chances in the future, or learn soft skills that will help you rise up the rankings in your workplace. You can check out the range of skills available on Skills Future website. 


But the topic here is… 


What if there’s no Skills Future credits? Will you still learn? 


The credits is an initiative to kick start your learning. To help you subsidise some of the lesson fees. However, if you are familiar with the education market, there are an even wide range of courses that don’t fit the skills future criteria. In this scenario, do you still want to upgrade yourself? 


There are courses such as solution focused programs in Singapore that helps you to lead and communicate with your team better at the workplace, or leadership trainings that will help you become a better leader. 


It will be good if they fall under the Skills Future programs. But what if they aren’t? Are you going to learn and upgrade yourself? Or wait until there is credit available for those courses? The right away is to go for a course and upgrade yourself, regardless of subsidises or not. You have to look at the objectives you want to achieve. You want to become a better leader, so you have to attend a course to upgrade yourself to become a better leader !



We hope this short message will help you decide on the right courses to attend - even if there’s no Skills Future! 


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