Money Manager is jointly produced by Temasek Polytechnic and MONEY FM 89.3. Made for youths by youths, this financial literacy series covers a wide array of topics such as budgeting, inflation, insurance and investing for all stages of your life.

Listen to all 19 podcast episodes

1. Introduction to Budgeting

In this inaugural episode of Money Manager, the students of Temasek Polytechnic discuss the dos and don'ts of budgeting.
Featuring Ms. Carmen Lee, Lecturer, Common Business Programme at Temasek Polytechnic.

• Save before you spend
• Don’t spend more than you earn
• 20/30/50 budgeting method

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2. Credit vs Debit Cards

The students of Temasek Polytechnic tackle the use of credit versus debit cards.
Featuring Mr. Joseph Tan, Lecturer, Diploma in Accountancy and Finance at Temasek Polytechnic.

• Features of each type of card
• How to manage them
• What to take note of when using cards

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3. E-wallets

In this episode of Money Manager, the students provide a quick overview of e-wallets.
Featuring Mr Jackson Ng of Digital Business Transformation Centre at Temasek Polytechnic.

• Features of e-wallet
• What are the blind spots
• What to take note of when using e-wallets

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4. Managing Lifestyles

We all have that picture perfect lifestyle in our minds. But how do we manage our expectations as we set out in life?
The students discuss this with Mr. Dennis Toh, Founder, The Influencer Network Communications Pte Ltd.

• Needs vs wants
• Set achievable goals  (e.g. clear study loans)
• Proper recording, book-keeping to track savings/expenditure

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5. Managing Lifestyles Part 2

The discussion continues on how we can manage our lifestyles.
The students find out with Ms. Joanna Tan, Tutor, Diploma in Accountancy & Finance at Temasek Polytechnic.

• How to shop/spend wisely (2nd hand, item exchange, promotion deals, comparison, etc)
• Is some indulgence possible?
• Acknowledge different financial statuses among peers.

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6. Inflation and Compound Interest

What you need to know about inflation and compound interest.
The students find out with Ms. Joanna Tan, Tutor, Diploma in Accountancy & Finance at Temasek Polytechnic.

• What is inflation
• How to cope with inflation
• What is compound interest
• How to start earning compound interest

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7. Benefits of the Central Provident Fund (CPF)

The students provide an overview of the benefits of Singapore’s Central Provident Fund (CPF).
They speak with Mr. Christopher Tan, Founder & CEO Providend Ltd.

• Introduction to the different accounts
• How to benefit from CPF savings

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8. Emergency Funds

The students tackle the purpose of having an emergency fund and why you should start now.
They speak to Ms. Joanna Tan, Tutor, Diploma in Accountancy & Finance at Temasek Polytechnic.

• What is an emergency fund
• Purpose of an emergency fund
• When to start planning for an emergency fund
• How to plan for an emergency fund

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9. Introduction to Investments 1

The students move into the dos and don’ts of investments in this two-part podcast.
They speak to Mr. Vince Koh, Relationship Manager at Phillip Capital.

• Why invest
• When to start investing
• How to invest with a small budget e.g. SG bonds

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10. Introduction to Investments 2

The students of Temasek Polytechnic tackle investment basics.
They speak to Mr. Vince Koh, Relationship Manager at Phillip Capital.

• What to take note of when investing e.g. diversify portfolio etc
• Can I not invest and rely on savings for future needs

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11. Insurance Plans In The Central Provident Fund (CPF)

In this episode of Money Manager - The Youth Edition, the students explore various insurance plans in the Central Provident Fund (CPF). They speak to Mr. Vince Koh, Relationship Manager at Phillip Capital.

• What is insurance
• What are the insurance plans in CPF
• Are they sufficient

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12. Other Insurance Plans

In this episode of Money Manager - The Youth Edition, the students explore other insurance plans that youths should learn about to prepare for life’s uncertainties. They speak to Mr. Vince Koh, Relationship Manager at Phillip Capital.

• What kind of insurance plans are there
• What are the priorities for youths
• What to take note of when buying insurance plans

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13. Scams

In this episode of Money Manager - The Youth Edition, the students discuss money scams and what you could do to protect your investments. They speak to Mr. Christopher Tan, Founder & CEO, Providend Ltd.

• What are the common scams relating to investment plans.
• What are the tell-tale signs.
• How to prevent from being scammed.
• Case study and a reminder that some scams are beyond Singapore jurisdiction where one is unable to recover the “investment”.

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14. Entrepreneurship

In this episode of Money Manager - The Youth Edition, the students explore the world of entrepreneurship and what it takes to start and run a business. They speak to Mr. Dennis Toh, Founder, The Influencer Network Communications & Ms. Rachel Wong, Co-Founder, Groundworks.

• What are the expenses incurred to start a business (tax, rent, etc)
• How to be cost-efficient (know the regulations e.g. home business, SME grants, etc)
• Set a reasonable break-even deadline

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15. Car Purchase

In this episode of Money Manager - The Youth Edition, the students discuss what you need to know about buying your first car. They speak to Mr. Clifford, Managing Director, Accendore Autolution.

• How much to budget to buy a car in Singapore?
• What is the process like e.g. downpayment, secure loan etc
• What to take note of before buying a car (interest rate, accessibility of public transport, etc)

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16. First Home Purchase

Buying your first home is a significant financial milestone in one's life. The students discuss what to keep in mind as you purchase your first home. The students speak to Mr. Nicholas Mak, Head of Research and Consultancy, ERA Realty

• How much to budget to buy a house in Singapore?
• What is the process like e.g. downpayment, secure loan, etc
• What to take note of before buying a house (interest rate, grants, amenities, etc)

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17. Family Planning

In this episode of Money Manager - The Youth Edition, the students touch on the next phase of one’s life - starting a family and the new expenses that come along with it. They speak to Ms. Lim Chien Wen, Financial Advisor, Great Eastern.

• What to take note of (e.g. income situation of the household, staying with parents/in-laws,
• joint vs personal bank account etc)
• What are the expenses involved (e.g. groceries, loan repayment, children’s insurance, etc)
• Be aware of grants for parents

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18. Retirement Planning

You’re never too young to start planning for your retirement as the students find out in this episode of Money Manager - The Youth Edition. They speak to Ms. Lim Chien Wen, Financial Advisor, Great Eastern.

• What is the official retirement age in Singapore
• Singapore’s employment policy of post retirement workers
• What are the priorities (e.g. medical, monthly allowance, etc)
• When and how to save for retirement

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19. Financial Literacy Programme

In this final episode of Money Manager - The Youth Edition, the students talk about the National Financial Literacy Programme and how it can help everyone kickstart their financial planning journey and plan ahead for one’s life goals.
They speak to Mr. Jeremy Huang, Director of Financial Planning Programme Department, Ministry of Manpower.

• Introduction to the programme
• How is the content determined
• Resource recommendation for youths who seek information on financial literacy

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Follow us on social media or download the SPH Radio app Awedio to listen to Money Manager on Google and Apple podcasts, or Spotify.

Credit: Students from the Diploma in Accountancy & Finance and Diploma in Communications & Media Management of Temasek Polytechnic.

Jaslyn Ong Ching Wen, Curine Chong Ker Xin, Zyrica Jasmin Carino Vallejo, Muhammad Danial bin Mohamed K, Jon Lee Xuan Yee, Cheryl Lourdes Natalie Keasberry, Tracy Kong Ying Xuan, Ang Wei Ly Krystal, Ho Ling Ying, Stacey, Mohamed Nabil Rasheed, Chua Kai En Elizabeth & Lim Jia Rong Glenn

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