Blog

Hejia Zhang

Hejia Zhang

Editor-in-Chief, ShopBack

161 articles

About

Hejia Zhang is Editor-in-Chief of ShopBack's editorial team, covering consumer pricing, sale cycles, and retailer comparisons across Australia, Singapore, and the United States.

Articles by Hejia Zhang

Finance

How to Maximise Your CPF Interest: Step-by-Step for Different Age Groups

CPF SA earns 4% p.a. and the first $60,000 in combined CPF balances earns an extra 1%, but most Singaporeans leave these bonuses on the table by not understanding the account structure, the 1% floor, and the power of early SA contributions.

Finance

How Much Does It Actually Cost to Own a Car in Singapore Per Month?

The true monthly cost of car ownership in Singapore is $1,800-$3,500 for a mass-market sedan, not just the loan instalment. Once you include COE depreciation, insurance, parking, petrol, and ERP, a car costs roughly twice what most people budget for.

Finance

Is Amazon Singapore Actually Cheaper Than Lazada or Shopee in 2026? A Real Breakdown

A real price comparison of Amazon SG vs Lazada and Shopee in 2026 across common categories, with specific examples and a clear verdict on when Amazon is and isn't worth it.

Fashion

Shoes Overseas vs Singapore 2026: How Much Do Singaporeans Save?

A concrete price comparison of buying shoes overseas vs in Singapore in 2026, covering sneakers, casual shoes, and formal footwear, including tax refunds, GST on re-entry, and which destinations actually save money.

Finance

Is It Worth Overpaying Your HDB Loan to Save on Interest?

HDB concessionary loan rate is 2.6% p.a. CPF OA earns 2.5%. The spread is just 0.1%, which means overpaying your HDB loan almost never makes mathematical sense, unless you're close to retirement or have no investments.

Finance

HDB BTO vs Resale vs EC: Real Cost Comparison for First-Time Buyers

BTO is cheaper upfront but takes 4-6 years to collect. Resale is immediate but costs $100,000-$300,000 more. EC sits in between with private condo finishes at HDB-adjacent prices. Here's the real cost comparison across all three for 2026.

Fashion

Every Singapore Payday Sale Window in 2026, Plus the 5 Bigger Events That Beat Them

A month-by-month Singapore fashion sale calendar for 2026. Payday sales on Zalora, ASOS, Shopee and Lazada deliver, but GSS, 9.9, 11.11 and 12.12 cut deeper.

Finance

Investing Your First $10,000 in Singapore: CPF-SA, Robo-Advisors, or ETFs?

CPF SA tops up earn 4% guaranteed. Robo-advisors return 5 to 8% p.a. historically with moderate risk. ETFs return 6 to 10% p.a. historically with full market exposure. For a first $10,000, the right split depends on your age, liquidity needs, and risk tolerance.

Travel

How Many Miles Do You Need for a Business Class Flight to Tokyo from Singapore?

Business class to Tokyo from Singapore costs 50,000 to 75,000 miles return depending on the programme. Here's a breakdown of KrisFlyer, Asia Miles, and Avios redemptions for Singapore-Tokyo in 2026.

Travel

Bangkok vs Bali: Which is Cheaper for a 5-Day Trip from Singapore in 2026?

Bangkok or Bali for a 5-day trip from Singapore in 2026? A direct cost comparison across flights, accommodation, food, transport, and activities to find out which destination is actually cheaper.

112131417