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:
tracks your monthly cash flow (and even automatically adds expenses you have made using your DBS accounts/cards)
allows you to create and keep track of various budgets (e.g. dining, bills, transport, etc.)
calculates your net worth which shows your assets and liabilities using SGFindex (so it connects all your other bank accounts too)
Suggests insurance and investment products based on your existing levels of coverage and investment knowledge and risk-appetite
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