#Value Living

All posts tagged with "Value Living".

#Value Living

Your Miles Card Stops Paying After S$1,000 a Month

fiAug 13, 2026

Somebody puts S$4,000 a month on a card advertising 4 miles per dollar, and assumes they are earning 4 miles per dollar. They are earning 1.3. Nothing went wrong and nobody was misled — the bonus rate simply stops after the first S$1,000 each month, and everything above it earns about a tenth as much. This is what that costs, why the obvious fix usually does not work, and how to tell in five minutes whether the whole exercise is beating a cashback card you could carry without thinking about it.

What Are KrisFlyer Miles Worth? One Cent, or Five

fiAug 12, 2026

You have a balance and the airline shows you no price. The honest answer is that a KrisFlyer mile is worth somewhere between about one cent and five cents, which on 100,000 miles is the difference between S$1,000 and S$5,000 — and which end you land on is almost entirely your decision, not the airline's. Here is what sets it: the floor that turns out to be a ceiling, the reason business class changes everything, the one question that stops you flattering yourself, and our own ledger of nine confirmed bookings.

ShopBack, Used Properly: S$6,484 of Cashback for Spending We Would Have Done Anyway

fiAug 06, 2026

Our ShopBack account has returned S$6,484.09 over its lifetime — S$4,541.03 of it already withdrawn to the bank — for buying the same hotels, insurance and groceries we would have bought anyway. The entire system is one habit: start the purchase at ShopBack, then buy. Here is how we run it — the browser extension, the big-ticket bookings, the upsized-day calendar — and the one rule that stops a cashback app from quietly becoming a spending machine.