It's incredibly important to have a budget and a broader financial "roadmap".
I started using DBS' NAV Planner more actively this year and it has great features that everyone should be aware of.
NAV Planner does the following:
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tracks your monthly cash flow (and even automatically adds expenses you have made using your DBS accounts/cards)
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allows you to create and keep track of various budgets (e.g. dining, bills, transport, etc.)
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calculates your net worth which shows your assets and liabilities using SGFindex (so it connects all your other bank accounts too)
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Suggests insurance and investment products based on your existing levels of coverage and investment knowledge and risk-appetite
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Gives you a money "roadmap", where it forecasts your monthly cash flow/assets over the rest of your life. This enables you to plan to achieve your retirement goals and budget effectively for shorter-term goals (e.g. vacation, wedding, house downpayment, etc.)
On whole, these are killer features that give other free personal finance apps a run for their money. As part of this new "tech-savvy" generation, I appreciate the financial heavy lifting DBS' Nav Planner does for me. It is like a digital personal financial advisor and takes me a step closer towards that elusive financial freedom.
That's a real #WFH money hack to me 