Your Money

Shopping scams: How to spot warning signs, avoid fraud this festival season

Use official apps and websites, check parcels before paying, and report financial fraud immediately

Set up your home without blowing up the budget: Follow this strategy

Spacing out expenses helps avoid turning homeownership into long-term financial stress

Deceased borrower's loan: What's the spouse's liability?

Marriage alone does not make a spouse liable for a deceased borrower's debt. Recovery depends on whether the spouse was a co-borrower or guarantor, or inherited assets from the deceased

Active vs passive: How investors can choose the right fund strategy

Active and passive funds offer different advantages across market-cap segments, making a mix of both a sensible portfolio strategy

30 and plan to start investing? What to do in the first of your plans

Focus on building an emergency buffer, clearing high-interest debt and setting up automated index fund contributions

The one-page financial plan: Preventing the chaos of scattered money

It provides a structured roadmap for clear financial protection, debt removal and automated long-term wealth creation

Turn sporadic savings into a system: Set a budget, review regularly

A practical guide to breaking the cycle of irregular savings and building a consistent, stress-free financial buffer

Shopping to streaming apps: Review bank statement to spot wasteful spending

Regular checks can expose hidden daily leaks -from unused subscriptions to convenience fees - and help you take back control of your money

Never miss a bill payment deadline, follow these steps to avoid penalties

Build a reliable, automated payment system to protect your credit score and take the stress out of monthly cash flow

Insurance to retirement: How to build financial goals that fit your income

A step-by-step guide to aligning your budget and investments with your actual take-home pay to build a sustainable financial plan

Documents to interest rate: What you must check before taking a home loan

Consider our checklists on how to navigate the long-term financial commitment

5-minute trap: How to review an instant loan before you click 'accept'

Instant loan providers hide their predatory terms in the fine print while selling their frictionless offer

Plug the leak: How to avoid savings account charges, hidden banking fees

Your account should provide liquidity and convenience without charging you for the privilege

Check authenticity and costs before buying art; keep allocation small

Commit only money you can leave invested for years

Target maturity funds: How to use them to lock into rising yields

Choose a fund you can hold to maturity, and assess its return after factoring in costs

Switch NPS fund manager only if underperformance persists across mkt cycles

Check whether weak returns reflect the market cycle before changing your pension fund manager

Inherited jewellery: How to prove its origins and avoid tax scrutiny

Preserve old valuation and inheritance records; document family lockers and explain the source of each holding

World Heart Day: How to cover cardiac risks before an emergency strikes

Rising cardiac treatment costs make adequate health cover and a strong emergency fund essential for financial protection

Financial foundation: Why insurance and emergency funds must precede stocks

Securing your income and emergency reserves ensures market volatility never threatens your essential financial stability

Live on rent or purchase a home? How to make a decision in your 30s

Balance long-term financial discipline with psychological comfort in making a strategic decision