OwlRubrics
Simple strategies, systems and rules of thumb that help us manage money and make choices. Select the topic you want to start with and begin learning!
Budgeting
Building an Emergency Fund
An Emergency Fund is a bucket of cash to help meet...
Implementing a Personal Budget
Using 3 bank accounts for different purposes: Operating Account, Pay Myself...
Pay Myself First, and More Each Year
Automating it and developing the habit is more important than the...
Debt Management
Debt Ratios
Ensure Your Debt Ratios Stay Within Healthy Range....
Reducing Debt
Pay down High Interest and Non-Mortgage Debts...
Investment
Saving or Investing 15%
A Rule of Thumb of How Saving 15% Can Better Prepare...
Investing your CPF-OA
Guide on deciding whether to invest your CPF-OA funds. By default,...
Retirement
4% Retirement Withdrawal Rule
A Simple Guide to Sustainable Retirement Withdrawals...
Full Retirement Sum (FRS) as Base
Grow our CPF Special Account (SA) up to the Full Retirement...