{"id":11453,"date":"2017-08-14T06:36:09","date_gmt":"2017-08-13T22:36:09","guid":{"rendered":"https:\/\/www.99.co\/blog\/singapore\/?p=11453"},"modified":"2022-07-01T04:09:00","modified_gmt":"2022-06-30T20:09:00","slug":"1000-month-change-life","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/","title":{"rendered":"How saving $1,000 a month can change your life in Singapore"},"content":{"rendered":"
<\/div>

We all know the complaints: Singapore is a super expensive city, you can\u2019t make it without growing a third kidney to sell, the cost of a burial plot will buy you a mansion somewhere else in the world etc. True enough, things do get expensive here. But how much do you need to change your life and make a big difference in your lifestyle? A million? Two million? \u00a0Actually, it\u2019s more like $1,000 a month!<\/span><\/p>\n

Wait, why is a property listing site asking you to change your life? <\/b><\/h3>\n

Because $1,000 a month makes a big difference, when it comes to putting a roof over your head. This in turn leads to other benefits, such as having bigger savings, more money to invest, and a potential retirement asset in the form of your house (if you intend to use it as such).<\/span><\/p>\n

Now we know what you\u2019re thinking, and it goes something like this: \u201c<\/span>Hahahaha! $1,000 a month can buy a house? What are you, the Minister of National Development?<\/span><\/i>\u201d<\/span><\/p>\n

Relax, we\u2019re not here to support – or even start – that age old argument. We\u2019re taking a more practical view of things. Here\u2019s how that extra $1,000 a month can change your life and even the assets you own:<\/span><\/p>\n

    \n
  1. \n

    $1,000<\/strong> a month can mean the difference between owning a flat and a condo<\/b><\/h3>\n<\/li>\n<\/ol>\n

    Say you and your spouse collectively earn $6,000 a month. Under the Total Debt Servicing Ratio (TDSR), your maximum monthly repayment – which includes your home loan as well as other outstanding debts – cannot exceed $3,600 a month.<\/span><\/p>\n

    \"Family<\/p>\n

    Now, let\u2019s assume that, on top of your home loan, you would pay around $1,200 a month for various other loans (credit cards, old student loans, and so forth). In effect, the maximum home loan you can take is capped at $2,400 a month.<\/span><\/p>\n

    Assuming a 25-year loan tenure, financing of 80 per cent, and an interest rate of 1.8 per cent per annum (typical of most home loans), the maximum loan quantum you can have is about $560,000. \u00a0\u00a0This is about sufficient to buy you a resale flat at the $650,000 to $700,00 range.<\/span><\/p>\n

    But let\u2019s say you earn $7,000 a month instead, and your other expenses are the same. Your loan cap becomes $3,000 a month (60 per cent of $7,000 = $4,200, minus $1,200 in other repayments = $3,000).<\/span><\/p>\n

    Following the same loan terms, this would increase your loan quantum to around $725,000. This is sufficient to buy a mass market condo in the $900,000 range (if you can pay down just a little of that $1,200 a month in other debts, you can easily reach for properties in the million dollar range).<\/span><\/p>\n

    Due to the TDSR, a change of just $1,000 a month makes a big difference in the range of properties you can afford. With this in mind, perhaps it\u2019s time for you and your spouse to talk to your respective bosses about a salary review? <\/span><\/p>\n

      \n
    1. \n

      $1,000 a month means owner-occupiers don\u2019t have to bet everything on the housing market<\/b><\/h3>\n<\/li>\n<\/ol>\n

      Most of the time, you\u2019re hoping your home value will appreciate. Many Singaporeans imagine they\u2019ll sell off the house at retirement, and downgrade to a smaller flat. The price difference then acts as a retirement fund, or a supplement to it.<\/span><\/p>\n

      Now true that <\/span>in general<\/span><\/i>, property prices tend to go up (that\u2019s true of almost any asset incidentally, including stocks). But remember don\u2019t conflate \u201cgeneral\u201d with \u201call\u201d. There <\/span>are<\/span><\/i> people who don\u2019t see their home values appreciate enough, or who are forced to sell during a downturn. There\u2019s an inherent risk in assuming the housing market will be nice to you.<\/span><\/p>\n

      If you can set an extra $1,000 a month set aside, compounding at five per cent per annum (possible with most mainstream investments, like endowment plans), that\u2019s just over $600,000 by the end of your 25 year loan tenure.<\/span><\/p>\n

      If your property doesn\u2019t appreciate as well as you expect, or the housing market dips, this could make up the difference.<\/span><\/p>\n

        \n
      1. \n

        Two words: holding power<\/b><\/h3>\n<\/li>\n<\/ol>\n

        Holding power is key to property investments, and it\u2019s also important to homeowners. There\u2019s a misconception that, unless you\u2019re very rich, your holding power is too limited for the property game. We\u2019ve heard suggestions that you need to have fully paid off the house, or have literal millions in your bank account, to have sufficient holding power.<\/span><\/p>\n

        Now that\u2019s nice to have; but you know what can give you sufficient holding power? An extra $1,000 a month, that\u2019s it.<\/span><\/p>\n

        \"Saving<\/p>\n

        Most condo dwellers pay around $4,000 a month for their mortgage repayments. The fear is that, when they get retrenched, divorced, face litigation, etc, this becomes an unbearable expense. That results in the house going on a fire sale (sold fast, at a loss).<\/span><\/p>\n

        But consider what happens if you can set aside an extra $1,000 a month, even for just the first two years. $24,000 is enough to cover the mortgage for <\/span>six months<\/span><\/i>. You\u2019ll be able to tide over half a year of vacancy<\/span> (if your agent can\u2019t find a tenant in half that time, fire her).<\/span><\/p>\n

        If you want to sell, you have ample time to look for a better buyer. You don\u2019t need to rush and take and offer an insane discount on the price. Heck, you might even recover financially and be back on your feet in six months, if the issue was illness or retrenchment; you might not lose the house at all.<\/span><\/p>\n

          \n
        1. \n

          If you work backward, you\u2019ll realise $1,000 brings a major lifestyle change<\/b><\/h3>\n<\/li>\n<\/ol>\n

          This one isn\u2019t a property tip, so much as it is a general money tip that could change your life. But it\u2019s worth knowing.<\/span><\/p>\n

          Do a simple exercise: take 10 minutes to work out how much you need to give up, to save $1,000 a month. Start typing out a list of things to surrender, right now.<\/span><\/p>\n

          Would you have to give up Grab and Uber? Skip movies? Surrender your Netflix subscription and gym membership? We bet that even a 10 or 15 item list barely comes close to making up $1,000. You would probably have to give up so much, your life would probably suck.<\/span><\/p>\n

          Now put it in reverse: if $1,000 a month would cost you that much, it could also <\/span>add <\/span><\/i>that much to your life. You don\u2019t need to win $5 million in the lottery to be happier right now; you just need this little bit more. Which leads us to the final point:<\/span><\/p>\n

            \n
          1. \n

            It\u2019s a realistic goal, which means realistic change<\/b><\/h3>\n<\/li>\n<\/ol>\n

            Too many people don\u2019t <\/span>seriously <\/span><\/i>work for their dream house (or their dream holiday, or dream car, or dream anything) because they set a head-in-the-clouds number to it. Many Singaporeans consider a condo to be a pipe dream, because wow, look at the million plus dollars you need.<\/span><\/p>\n

            But that\u2019s not productive. It\u2019s important to set a realistic target, like another $1,000 a month, and just work on that and start to change your life. Don\u2019t dismiss the sum as being too small: it\u2019s achievable and actionable, so it will make a bigger difference than pointlessly fantasizing about an extra $100,000 a month.<\/span><\/p>\n

            If you found this article useful and want to change your life, find out more about\u00a0how you can save money for a new home<\/a> and How to do up your home without taking a renovation loan<\/a>.<\/p>\n

            Find the home of your dreams today at Singapore\u2019s largest property portal 99.co<\/a>!<\/p>\n

             <\/p>\n","protected":false},"excerpt":{"rendered":"

            We all know the complaints: Singapore is a super expensive city, you can\u2019t make it without growing a third kidney to sell, the cost of a burial plot will buy you a mansion somewhere else in the world etc. True enough, things do get expensive here. But how much do you need to change your…<\/p>\n","protected":false},"author":21,"featured_media":54841,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","_lmt_disableupdate":"","_lmt_disable":"","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[53593,53589,57131],"tags":[53902,53621,53595,54310,54311,54312,53641],"persona":[],"class_list":{"2":"type-post","17":"entry","18":"has-post-thumbnail"},"acf":[],"yoast_head":"\nHow saving $1,000 a month can change your life in Singapore - 99.co<\/title>\n<meta name=\"description\" content=\"How much does it take to change your life? One would think 'millions', but in truth, it all starts with $1,000 a month.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How saving $1,000 a month can change your life in Singapore\" \/>\n<meta property=\"og:description\" content=\"How much does it take to change your life? One would think 'millions', but in truth, it all starts with $1,000 a month.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/99dotco\/\" \/>\n<meta property=\"article:published_time\" content=\"2017-08-13T22:36:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-06-30T20:09:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/07\/change-your-life-singapore-city.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"853\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ryan Ong\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@99dotco\" \/>\n<meta name=\"twitter:site\" content=\"@99dotco\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ryan Ong\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/\"},\"author\":{\"name\":\"Ryan Ong\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/4ad00425f4de904205396b4c8b79f2a4\"},\"headline\":\"How saving $1,000 a month can change your life in Singapore\",\"datePublished\":\"2017-08-13T22:36:09+00:00\",\"dateModified\":\"2022-06-30T20:09:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/\"},\"wordCount\":1246,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/07\/change-your-life-singapore-city.jpg\",\"keywords\":[\"buying a home\",\"buying in singapore\",\"buying property\",\"change your life\",\"saving $1000 a month\",\"savings\",\"singapore\"],\"articleSection\":[\"Financial News\",\"Home & Living\",\"Property News\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/#respond\"]}],\"copyrightYear\":\"2017\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/\",\"url\":\"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/\",\"name\":\"How saving $1,000 a month can change your life in Singapore - 99.co\",\"isPartOf\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/07\/change-your-life-singapore-city.jpg\",\"datePublished\":\"2017-08-13T22:36:09+00:00\",\"dateModified\":\"2022-06-30T20:09:00+00:00\",\"description\":\"How much does it take to change your life? One would think 'millions', but in truth, it all starts with $1,000 a month.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/#primaryimage\",\"url\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/07\/change-your-life-singapore-city.jpg\",\"contentUrl\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/07\/change-your-life-singapore-city.jpg\",\"width\":1280,\"height\":853},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.99.co\/singapore\/insider\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Financial News\",\"item\":\"https:\/\/www.99.co\/singapore\/insider\/financial-news\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"How saving $1,000 a month can change your life in Singapore\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#website\",\"url\":\"https:\/\/www.99.co\/singapore\/insider\/\",\"name\":\"\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.99.co\/singapore\/insider\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#organization\",\"name\":\"99.co\",\"url\":\"https:\/\/www.99.co\/singapore\/insider\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/08\/nnco_logo.webp\",\"contentUrl\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/08\/nnco_logo.webp\",\"width\":192,\"height\":72,\"caption\":\"99.co\"},\"image\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/99dotco\/\",\"https:\/\/x.com\/99dotco\",\"http:\/\/instagram.com\/99.co\",\"https:\/\/www.linkedin.com\/company\/3625176\",\"http:\/\/pinterest.com\/99dotco\/\",\"https:\/\/www.youtube.com\/channel\/UCTFNrxXF9L1XZUlZNq07VKA\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/4ad00425f4de904205396b4c8b79f2a4\",\"name\":\"Ryan Ong\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/e3d71f7d1c36cbde6f16b54d3c050e3fd3cd864e6540be21a82c399b04bf1e5c?s=96&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/e3d71f7d1c36cbde6f16b54d3c050e3fd3cd864e6540be21a82c399b04bf1e5c?s=96&r=g\",\"caption\":\"Ryan Ong\"},\"sameAs\":[\"https:\/\/www.99.co\/blog\/singapore\/\"],\"url\":\"https:\/\/www.99.co\/singapore\/insider\/author\/ryan\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"How saving $1,000 a month can change your life in Singapore - 99.co","description":"How much does it take to change your life? One would think 'millions', but in truth, it all starts with $1,000 a month.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/","og_locale":"en_US","og_type":"article","og_title":"How saving $1,000 a month can change your life in Singapore","og_description":"How much does it take to change your life? One would think 'millions', but in truth, it all starts with $1,000 a month.","og_url":"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/","article_publisher":"https:\/\/www.facebook.com\/99dotco\/","article_published_time":"2017-08-13T22:36:09+00:00","article_modified_time":"2022-06-30T20:09:00+00:00","og_image":[{"width":1280,"height":853,"url":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/07\/change-your-life-singapore-city.jpg","type":"image\/jpeg"}],"author":"Ryan Ong","twitter_card":"summary_large_image","twitter_creator":"@99dotco","twitter_site":"@99dotco","twitter_misc":{"Written by":"Ryan Ong","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/#article","isPartOf":{"@id":"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/"},"author":{"name":"Ryan Ong","@id":"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/4ad00425f4de904205396b4c8b79f2a4"},"headline":"How saving $1,000 a month can change your life in Singapore","datePublished":"2017-08-13T22:36:09+00:00","dateModified":"2022-06-30T20:09:00+00:00","mainEntityOfPage":{"@id":"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/"},"wordCount":1246,"commentCount":0,"publisher":{"@id":"https:\/\/www.99.co\/singapore\/insider\/#organization"},"image":{"@id":"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/#primaryimage"},"thumbnailUrl":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/07\/change-your-life-singapore-city.jpg","keywords":["buying a home","buying in singapore","buying property","change your life","saving $1000 a month","savings","singapore"],"articleSection":["Financial News","Home & Living","Property News"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/#respond"]}],"copyrightYear":"2017","copyrightHolder":{"@id":"https:\/\/www.99.co\/singapore\/insider\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/","url":"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/","name":"How saving $1,000 a month can change your life in Singapore - 99.co","isPartOf":{"@id":"https:\/\/www.99.co\/singapore\/insider\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/#primaryimage"},"image":{"@id":"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/#primaryimage"},"thumbnailUrl":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/07\/change-your-life-singapore-city.jpg","datePublished":"2017-08-13T22:36:09+00:00","dateModified":"2022-06-30T20:09:00+00:00","description":"How much does it take to change your life? One would think 'millions', but in truth, it all starts with $1,000 a month.","breadcrumb":{"@id":"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/#primaryimage","url":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/07\/change-your-life-singapore-city.jpg","contentUrl":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/07\/change-your-life-singapore-city.jpg","width":1280,"height":853},{"@type":"BreadcrumbList","@id":"https:\/\/www.99.co\/singapore\/insider\/1000-month-change-life\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.99.co\/singapore\/insider\/"},{"@type":"ListItem","position":2,"name":"Financial News","item":"https:\/\/www.99.co\/singapore\/insider\/financial-news\/"},{"@type":"ListItem","position":3,"name":"How saving $1,000 a month can change your life in Singapore"}]},{"@type":"WebSite","@id":"https:\/\/www.99.co\/singapore\/insider\/#website","url":"https:\/\/www.99.co\/singapore\/insider\/","name":"","description":"","publisher":{"@id":"https:\/\/www.99.co\/singapore\/insider\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.99.co\/singapore\/insider\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.99.co\/singapore\/insider\/#organization","name":"99.co","url":"https:\/\/www.99.co\/singapore\/insider\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/logo\/image\/","url":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/08\/nnco_logo.webp","contentUrl":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/08\/nnco_logo.webp","width":192,"height":72,"caption":"99.co"},"image":{"@id":"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/99dotco\/","https:\/\/x.com\/99dotco","http:\/\/instagram.com\/99.co","https:\/\/www.linkedin.com\/company\/3625176","http:\/\/pinterest.com\/99dotco\/","https:\/\/www.youtube.com\/channel\/UCTFNrxXF9L1XZUlZNq07VKA"]},{"@type":"Person","@id":"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/4ad00425f4de904205396b4c8b79f2a4","name":"Ryan Ong","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/e3d71f7d1c36cbde6f16b54d3c050e3fd3cd864e6540be21a82c399b04bf1e5c?s=96&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/e3d71f7d1c36cbde6f16b54d3c050e3fd3cd864e6540be21a82c399b04bf1e5c?s=96&r=g","caption":"Ryan Ong"},"sameAs":["https:\/\/www.99.co\/blog\/singapore\/"],"url":"https:\/\/www.99.co\/singapore\/insider\/author\/ryan\/"}]}},"modified_by":"Amanda Tan","_links":{"self":[{"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/posts\/11453","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/comments?post=11453"}],"version-history":[{"count":0,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/posts\/11453\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/media\/54841"}],"wp:attachment":[{"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/media?parent=11453"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/categories?post=11453"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/tags?post=11453"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/persona?post=11453"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}