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5 personal finance apps you need if youâre bad with money
Follow @the-future-now

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How Singapore recovered from past recessions
Hereâs how a constantly evolving focus on macroeconomic policy and productivity has helped Singapore become one of Asiaâs top economies.
1965
In 1965, Singaporeâs nominal per capita gross domestic product (GDP) was US$500, which was the same as Mexico and South Africa. Self-government from Britain in 1959 and the subsequent political upheavals to full independence in 1965, found a Singapore that, while bursting with potential, still suffered from high unemployment. Its population growth then was the highest in the world. Nevertheless, the high quality of labour, the potential for it to be directed toward manufacturing and the need for capital to be directed towards industry were all identified as potential opportunities.
The resulting policies included low taxation on investment, tax holidays, a crash course in industrialisation â marked particularly by the creation of the Jurong industrial area â state education improvements to suit employers, promotion of English as the language of instruction, and a massive public housing programme. Among other benefits, these policies improved peopleâs work opportunities.
Above all, they displayed what was to become the mainstay of Singaporean economic policy for many decades to come: a very high level of openness to foreign investments, relatively liberal immigration policies, domestic wage restraint and the reduction of government tax and regulatory burdens on businesses in times of crisis.
These measures have fundamentally driven Singaporean development since that time â shortening recessions and in some cases avoiding them altogether as other economies suffered. By 1970, Singapore had achieved full employment.
1970s
The 1970s was a decade of shocks such as the 1973 oil crisis and US stock market crash, and the 1974 global recession. With such an outward looking economic policy, one might have expected Singapore to suffer heavily. Instead, the government went out of its way to attract more investment by reducing labour costs and encouraging labour-intensive investments.Â
Singapore continued to expand throughout the decade. By the 1980s, Singapore had emerged as a Newly Industrialised Economy, joining the ranks of Hong Kong, Taiwan and South Korea.
1990s
Between 1985 and 1996, Singaporeâs per capita GDP went from US$6,794 to US$27,197, a truly staggering development. In 1990, Singaporeâs GDP per capita rose to about US$13,000, surpassing South Korea, Israel, and Portugal.Â
In 1997, the Asian Financial Crisis gripped the region. But compared to other economies, Singapore was in a good place. As the 1997 crisis in Thailand unfolded and spread to other economies, currencies across the region collapsed and foreign investors withdrew.
In what were by now tried and tested ways, the government reacted by using the same tools at its disposal: cutting costs to restore competitiveness through reductions in government fees, reduced the burden of Central Provident Fund (CPF) contributions for businesses and made wage reductions across the state sector. It worked. Singaporean competitiveness was restored, and the economy bounced back.
2010
In 2010, the Singapore economy recovered strongly from the Global Financial Crisis of 2008-2009 with an all-time high GDP growth rate at 14.5%, the fastest annual growth rate on record, according to the Monetary Authority of Singapore. Also, wage growth sped up, thanks to the strong economic upturn. Singaporeâs total employment also grew by 115,900 and the labour force participation rate reached a record high.
The government had responded to the financial crisis with an emphasis on diversification into tourism and services, most notably with the activities tied to the two Integrated Resorts.
For its S$20.5 billion âResilience Packageâ for the 2009 financial year, the government withdrew cash from the countryâs reserves for the first time and earmarked S$4.9 billion to help both Singaporeans keep their jobs and offer strategic support to industry in order to drive down business costs and avoid corporate failures.
In 2013, Singapore became the richest country in the world by IMF estimates, with a per capita GDP of US$61,567.
2016
Last year, Singapore achieved a GDP per capita based on PPP (Purchasing Power Parity) of US$85,208.8, according to the World Bank database. Overall, GDP growth had been the slowest in six years, since 2009; the economy grew by just 2.1 per cent in 2015. This year, experts are concerned that Singaporeâs economic growth is losing steam. The slump in the services sector â particularly in the financial services industry â has upped the risk of a technical recession. Still, a readiness to adjust policies will likely help Singapore overcome global economic headwinds.
By Brian Scudder
Working on some concepts for one of my midterms next week. My friends want me to go to the bar tomorrow night so I need to get double done tonight đ
Ahhh, that feeling of independence when you get the keys to the door for the first time. Nothing beats it, huh? When did you get your first set?
MAKE A BUDGET: and stick to it. making a budget can be confusing and difficult, but what weâve found is that understanding where your cash flow is coming from is absolutely key. be realistic about the goals you set, and set aside a small buffer amount each week in case something comes up. budgets donât have to be the same every week, because what you do in a week can change.
check out our second post in the finance series: how to budget
USE CASH: and leave your bank card at home. studies have shown that people are more likely to spend less when using cash because thereâs a better sense of how much money theyâre spending/saving. besides, using cash will force you to stick to a budget!
BRING YOUR OWN FOOD: we love food but food is expensive. buying groceries every week or two and making your own lunches/snacks can save you a lot of money in the long run. (see this buzzfeed article for some recipes)
BUY GENERIC BRAND: because most of the time, generic brand is just as good as name brand. donât let prejudice keep you from saving money!
TAKE ADVANTAGE OF FREE THINGS: if you want to hang out with your friends, consider free events happening around you. thereâs usually always something happening on campus. at the very least, you can always get the free swag from those events!
APPLY FOR SCHOLARSHIPS: yes essay writing can be a pain and it may seem like a snowballâs chance in hell that youâll get it, but just do it. a lot of scholarships donât get as many applicants as they make it seem so you have a better chance than you think you do!
TEXTBOOKS: borrow them from a library if you can and take pictures of the pages you need (or just do your work at the library.) failing that, see if your school bookstore lets you rent textbooks instead of buying them! If you absolutely have to buy your textbooks, buy used whenever possible. donât be afraid to scrounge the internet for a cheap(er) copy.
EVERY CENT COUNTS: even though Canada has discontinued the penny, this still holds true. as broke students, we all know that sometimes that nickel can make or break your day. so save what you can, even if it doesnât feel like much!
this is by no means an exhaustive list. if you have more tips, send us a message and we might make a follow up post!

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this is the second part of our financing series. part 1 is here
Making a budget can be difficult and confusing and might be the hardest part of staying on top of your personal finance. Here at coffeeplanner, weâve broken this down into 7(ish) easy steps.
1. CHOOSE YOUR MEDIUM:Â
will you be using pen and paper? the notes app on your phone? or a fancy personal finance app on your phone/tablet/computer? Choose whatever you think is easiest and most accessible for you. As a student youâre almost always on the go and itâd be pretty handy to have your budget with you.
2. CHECK THAT CASH FLOW:Â
do you have a job? are you relying on the student loan gods? Understand where your money is coming from. This means not just knowing whose money it is, but how often you get more money and how much. When/how you get your money is the foundation of any budget.
3. TRACK EXPENSES:
when first creating a budget, it can be hard to estimate how much money you need per category. For a week or two, spend as you normally would and track those expenses. This will be the basis for your budget. Avoid modifying your spending habits because this will skew the results.
4. CREATE CATEGORIES:Â
where do you usually spend money? meals? snacks? transportation? create a list of categories where you usually spend money. Try to be a little specific because categories like âfoodâ can get out of hand pretty quickly when youâre a student. So try something like âmeals,â âcoffee/tea,â âsnacksâ instead, so you can know more accurately where your money is going!
5. SLICE AND DICE:Â
now that you know what youâre spending, add up the totals for all your categories and see where cuts can be made. Are you spending $5 a day on coffee? cut that down with a coffeemaker and instant coffee. This is the true âbudgetingâ part. Try to keep limits/goals realistic, but absolutely within your spending capabilities. Even if you only save a couple dollars a week, it will definitely add up!
6. INCLUDE A BUFFER ZONE:Â
we all know those days/weeks when you just canât with life anymore, and for those days sometimes the only thing that can help is a tub of ice cream and/or a movie with friends. This is what your buffer zone is for. Set aside a small amount of money each cycle for emergencies like self-care or a late night taxi ride. Whether the money leftover is transferrable between cycles is up to you, do what works for you.
7. COMMIT:Â
a budget only works if you stick with it. Using the money you save, you can treat yourself to something small each cycle to keep up the work! Staying in budget is hard, but totally do-able. You got this!
// budgeting apps
wally - free - iOS/android - an easy-to-use expense tracker. keep track of what youâre spending in different categories and save pictures of receipts so you donât have to carry them around!
mint - free - iOS/android - the heavy-duty personal finance app. American based, but works for many different countries.
Shutter bugs Ray Barbee and Curren Caples grace the pages of the The Skateboard Magâs One Day in Skateboarding 2016 Issue 153 on newsstands and in skate shops now.Â
Visit vans.com/ProClassics for more Pro Classic styles like the Old Skool Pro and Era Pro and locate a skate shop near you.Â
Photo: @anthonyacostaphoto
Weâve found a group of stocks that is as close as you can get to a guarantee of regular payouts.
German photographer Julia Christeâs hilarious Freestyle Series captures the motion of various types of dogs as they leap through the air.
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