As economic uncertainty increases, personal finance management becomes that much more complex. Or does it have to be? How can we preserve and grow our wealth even during volatile times? Howie Lim speaks to Shang Saavedra, author and financial educator to find out.

Synopsis: Every Monday, The Business Times breaks down useful financial tips.

Highlights:

00:57 Cut your budget or grow your income

04:13 Is one better than the other?

07:04 Stop doing this!

08:41 How much tech would help

---

Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

---

Written and hosted by: Howie Lim (howielim@sph.com.sg)

With Shang Saavedra, author and financial educator

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

---

Follow BT Money Hacks podcasts every Monday:

Channel: bt.sg/btmoneyhacks

Amazon: bt.sg/mham

Apple Podcasts: bt.sg/oeXe

Spotify: bt.sg/oeGN

YouTube Music: bt.sg/mhyt

Website: bt.sg/moneyhacks

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

Discover more BT podcast series:

BT Correspondents: bt.sg/btcobt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Branded Podcasts at: bt.sg/brpod

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

How did a home baker and former banker build herself a successful business hawking her delicious macarons and other baked gems? Howie Lim speaks to the founder of Annabella Patisserie to find out.

Synopsis: Every Monday, The Business Times breaks down useful financial tips.

This episode is brought to you by WorldFirst.

Highlights:

01:34 The biggest challenges with cross-border payments

02:46 How challenges can be tackled

04:47 Navigating the current volatile environment

07:22 Solutions can be bespoke

08:21 Annabella Patisserie’s story

10:31 The road ahead with WorldFirst

More about:

WorldFirst's competitive pricing

How to Source and Pay to China with ease through WorldFirst's solutions

Getting first dibs on WorldFirst's happenings round the clock

---

Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

---

Written and hosted by: Howie Lim (howielim@sph.com.sg)

With Annabella Sonwelly, founder, Annabella Patisserie

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

---

Follow BT Money Hacks podcasts every Monday:

Channel: bt.sg/btmoneyhacks

Amazon: bt.sg/mham

Apple Podcasts: bt.sg/oeXe

Spotify: bt.sg/oeGN

YouTube Music: bt.sg/mhyt

Website: bt.sg/moneyhacks

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

Discover more BT podcast series:

BT Correspondents: bt.sg/btcobt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Branded Podcasts at: bt.sg/brpod

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

It’s time to make your spending work harder for you. It’s a step up from making your money work for you. Credit cards can offer astounding rewards and cashback but you have to put in some effort. Howie Lim gets expert help from Audrey Yap, a content creator with lobangsis.com

Synopsis: Every Monday, The Business Times breaks down useful financial tips.

Highlights:

01:05 Choosing the right card/s

04:07 Cards’ overall value

06:29 Avoiding the debt trap

08:55 Discipline is all you need

---

Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

---

Written and hosted by: Howie Lim (howielim@sph.com.sg)

With Audrey Yap, a content creator with lobangsis.com

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

---

Follow BT Money Hacks podcasts every Monday:

Channel: bt.sg/btmoneyhacks

Amazon: bt.sg/mham

Apple Podcasts: bt.sg/oeXe

Spotify: bt.sg/oeGN

YouTube Music: bt.sg/mhyt

Website: bt.sg/moneyhacks

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

Discover more BT podcast series:

BT Correspondents: bt.sg/btcobt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Branded Podcasts at: bt.sg/brpod

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

How do we safeguard our wallets during the festive season without taking the joy out of the celebrations? And should we use our bonuses to fund the merriment? Howie Lim speaks to Seth Wee, content creator and finfluencer from sethisfy.com and Dhanesh Sharma, financial services manager at PhillipCapital to find out.

Synopsis: Every Monday, The Business Times breaks down useful financial tips.

Highlights:

01:24 Budget, budget, budget

02:23 Pitfalls to look out for

05:45 You come first

07:56 What about your bonus?

---

Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

---

Written and hosted by: Howie Lim (howielim@sph.com.sg)

With Seth Wee, content creator and finfluencer from sethisfy.com and Dhanesh Sharma, financial services manager at PhillipCapital

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim

Engineered by: Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

---

Follow BT Money Hacks podcasts every Monday:

Channel: bt.sg/btmoneyhacks

Amazon: bt.sg/mham

Apple Podcasts: bt.sg/oeXe

Spotify: bt.sg/oeGN

YouTube Music: bt.sg/mhyt

Website: bt.sg/moneyhacks

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

Discover more BT podcast series:

BT Correspondents: bt.sg/btcobt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Branded Podcasts at: bt.sg/brpod

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

How will gold fare in 2025 now that it’s had rather a stellar 2024 and, let’s face it, decade? Should we be shoring up on this safe haven asset or letting some of it go? What headwinds or tailwinds will gold face moving forward?

Correspondent Howie Lim speaks to Albert Cheng, CEO, Singapore Bullion Market Association and Robin Tsui, APAC gold strategist & SPDR gold sales specialist, State Street Global Advisors SPDR to find out.

Synopsis: Every Monday, The Business Times breaks down useful financial tips.

Highlights:

01:23 Gold in 2024

04:09 Investors’ allocation into gold

07:50 Head and tailwinds for gold

10:20 Will demand for gold rise for CNY?

---

Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

---

Written and hosted by: Howie Lim (howielim@sph.com.sg)

With Albert Cheng, CEO, Singapore Bullion Market Association and Robin Tsui, APAC gold strategist & SPDR gold sales specialist, State Street Global Advisors SPDR

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim

Engineered by: Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

---

Follow BT Money Hacks podcasts every Monday:

Channel: bt.sg/btmoneyhacks

Amazon: bt.sg/mham

Apple Podcasts: bt.sg/oeXe

Spotify: bt.sg/oeGN

YouTube Music: bt.sg/mhyt

Website: bt.sg/moneyhacks

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

Discover more BT podcast series:

BT Correspondents: bt.sg/btcobt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Branded Podcasts at: bt.sg/brpod

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

Digital trading platforms have transformed investing. And with the online brokerages and share trading platforms sector heating up, how will we know we’re picking the right one and not just falling for anything?

Correspondent Howie Lim speaks to Philip Waters, head of Asia Pacific and Emerging Markets at OANDA to find out.

Synopsis: Every Monday, The Business Times breaks down useful financial tips.

Highlights:

01:13 How 2024 played out and what to expect in 2025

04:02 The election which impacts all

09:04 Navigating the crowded online space

12:05 The advice people just won’t take!

---

Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

---

Written and hosted by: Howie Lim (howielim@sph.com.sg)

With Philip Waters, head of Asia Pacific and Emerging Markets, OANDA

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim

Engineered by: Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

---

Follow BT Money Hacks podcasts every Monday:

Channel: bt.sg/btmoneyhacks

Amazon: bt.sg/mham

Apple Podcasts: bt.sg/oeXe

Spotify: bt.sg/oeGN

YouTube Music: bt.sg/mhyt

Website: bt.sg/moneyhacks

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

Discover more BT podcast series:

BT Correspondents: bt.sg/btcobt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Branded Podcasts at: bt.sg/brpod

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

As costs of living continue to rise, everyone is grappling with how to manage their money. But do the different generations see personal finance differently and can they come together to learn from each other? Howie Lim speaks to a mum of two young kids and a recent graduate to get insights.

Synopsis: Every Monday, The Business Times breaks down useful financial tips.

---

Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

---

Written and hosted by: Howie Lim (howielim@sph.com.sg)

With Dawn Cher, SG Budget Babe, finance influencer and Ge Jiabao, financial advisor and content creator.

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & Emily Liu

Engineered by: Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

Follow BT Money Hacks podcasts every Monday:

Channel: bt.sg/btmoneyhacks

Amazon: bt.sg/mham

Apple Podcasts: bt.sg/oeXe

Spotify: bt.sg/oeGN

YouTube Music: bt.sg/mhyt

Website: bt.sg/moneyhacks

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

---

Discover more BT podcast series:

BT Mark To Market Podcast at: bt.sg/btmark2mkt

WealthBT at: bt.sg/btwealthbt

PropertyBT at: bt.sg/btpropertybt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Branded Podcasts at : bt.sg/brpod

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

With familiar challenges persisting into 2025, perhaps the outlook for 2025 needn’t be so pessimistic with another Trump-era looming. But how much will Trump’s America-first policies affect the global economy and your investments? Howie Lim speaks to the experts to get their take.

Synopsis: Every Monday, The Business Times breaks down useful financial tips.

Highlights:

01:27 The year 2024 was

02:57 2024 sets the stage for 2025

07:59 Dealing with market volatility

11:10 Which sectors will benefit and how to reposition

---

Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

---

Written and hosted by: Howie Lim (howielim@sph.com.sg)

With Samuel Rhee, chief investment officer of Endowus, Kelvin Wong, senior market analyst at Oanda and Rohith Murthy, CEO of the MoneyHero Group

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim

Engineered by: Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

Follow BT Money Hacks podcasts every Monday:

Channel: bt.sg/btmoneyhacks

Amazon: bt.sg/mham

Apple Podcasts: bt.sg/oeXe

Spotify: bt.sg/oeGN

YouTube Music: bt.sg/mhyt

Website: bt.sg/moneyhacks

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

---

Discover more BT podcast series:

BT Mark To Market Podcast at: bt.sg/btmark2mkt

WealthBT at: bt.sg/btwealthbt

PropertyBT at: bt.sg/btpropertybt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Branded Podcasts at : bt.sg/brpod

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.