Mammoney - Your Ultimate Guide to Personal Finance & Investing

Singapore’s Fintech Ecosystem: Top Startups to Watch Introduction Singapore's fintech ecosystem stands as a beacon of innovation in the Asia-Pacific region, transforming the city-state from a traditional financial hub into a global powerhouse for digital finance. With its strategic location at the crossroads of Southeast Asia's burgeoning economies, a population that is digitally savvy, and a government that prioritizes technological advancement, Singapore has cultivated an environment where fintech thrives. As of 2025, the ecosystem boasts over 1,600 companies, capturing more than 50% of ASEAN's total fintech funding, which reached US$745 million in the first nine months of 2024 alone, according to PwC's Fintech in ASEAN report. This surge is fueled by the Monetary Authority of Singapore (MAS), which has invested heavily in initiatives like the Financial Sector Technology and Innovation Scheme (FSTI 3.0), committing up to S$150 million over three years to attract globa...

Financial Planning for Freelancers: Strategies for Long-Term Stability Introduction Freelancing offers flexibility, autonomy, and the opportunity to craft a career on your own terms. However, it also comes with financial uncertainty, fluctuating income, and the need for strategic money management. Without the stability of a fixed salary, freelancers must adopt a proactive approach to financial planning to ensure sustainability, security, and growth. This article explores key principles and actionable strategies for financial planning tailored to freelancers. We discuss budgeting, tax management, investment strategies, and savings plans that empower independent professionals to thrive financially while navigating the challenges of self-employment. Understanding Financial Planning for Freelancers Key Components of Financial Success Freelancers must master several financial aspects to maintain stability: Income Management – Establishing diverse revenue streams to reduce dependency on a s...