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Daniel Tay

Daniel Tay was a financial planner until he retired at age 40. He embraced freeganism, a lifestyle centered on minimal use of resources and limited participation in the conventional economy.
A champion of turning ideas into reality, Daniel co-founded Singapore’s freegan and food rescue communities, advocating for reducing waste and avoiding money-wasting. Having appeared in local and international media over 100 times, including CNA and Nas Daily, he’s a prominent voice for sustainable living and financial frugality. Today, Daniel volunteers his time to various causes, embodying the values of free(dom), frugality, and freeganism, all the while promoting the importance of savings and financial stewardship.
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Articles by
Daniel Tay

The cost of convenience: How to identify and avoid overspending habits

September 26, 2024
At Chocolate Finance, we believe in the power of personal stories to inspire financial responsibility and conscious spending. Today, we’re excited to share the story of Daniel Tay, who, as a former financial planner, discovered his own overspending habits and took significant steps to change his lifestyle. Daniel’s journey provides valuable insights into lifestyle inflation and mindful spending. Here’s his story, in his own words
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Photo of Chocolate Finance's App in a mobile phone where customers can see their daily returns on their savings.
3.6% p.a. return
On your first S$20k.
3.2% p.a. return
On your next S$30k.
Target 3.2% p.a.
On amounts thereafter.
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Chocolate Finance is a brand of Chocfin Pte Ltd (UEN 202347190R). Chocfin Pte Ltd is licensed and regulated by the Monetary Authority of Singapore (CMS101452) to perform fund management activities. The 3.6% p.a. return on the first S$20k and 3.2% p.a. return on the next S$30k are subject to change based on market conditions, with Chocolate top-up support offered as an incentive during the Qualifying Period, and it does not constitute a guarantee of return or capital. Returns are calculated on a compounded basis. Terms and conditions apply.

This website was prepared without regard to your specific investment objectives, financial situation, accounting or tax needs and does not constitute advice. Before applying, you should consider carefully whether the product/service is suitable for you. This advertisement has not been reviewed by the Monetary Authority of Singapore.

All views expressed are opinions of Chocolate Finance and are subject to change based on market and other conditions without notice or obligation. These opinions are not intended to be a forecast of future events, a guarantee of future results or investment advice. The mention of any individual securities should neither constitute nor be construed as a recommendation to purchase or sell investments, and the information provided regarding such individual investments is not intended to be used to form any basis upon which an investment decision is to be made. Any statistics have been obtained from sources Chocolate Finance believed to be reliable but the accuracy and completeness of the information cannot be guaranteed. All investments involve risk, including the risk of losing all of the invested amount. Such activities may not be suitable for everyone. Past performance is not indicative of future results.