7 Things You Should Absolutely Buy for Yourself

As Miley Cyrus sings in her song “Flowers,” “I can buy myself flowers, write my name in the sand, talk to myself for hours…” Let’s be real! Like her, you probably have a long list of things you want to buy for yourself, and there’s no reason to feel guilty about it.

Here are some of the best gifts to treat yourself with, including some of my personal favorites and a few items on my wish list.

#1: ORAL-B ELECTRIC TOOTHBRUSH

Investing in your oral health is always a smart decision. My husband swears by his electric toothbrush because it cleans so much better.

Priced at S$269 at Watsons, the Oral-B iO Series 5 Limited rechargeable electric toothbrush is an excellent choice. This toothbrush offers five cleaning modes—daily clean, intense clean, sensitive, super-sensitive, and whitening. It also features a two-minute timer, three brush heads, a travel case, and an AI-powered app to track your brushing habits. This powerful toothbrush will make you feel like you’ve just left the dentist every time you brush!

#2: AIRPODS MAX

Experience audio excellence with the AirPods Max, priced at S$813.90 in Apple’s website. These high-fidelity headphones deliver an unparalleled listening experience with their advanced noise cancellation and immersive sound quality.

Whether you’re commuting, working out, or just relaxing at home, the AirPods Max will enhance your audio experience.

#3: PIQUE KIMONO BATHROBE

Lounge in ultimate comfort with the Pique Kimono Bathrobe from H by Frette, a brand known for supplying linens and towels to the world’s top hotels since 1899.

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Priced at S$135 on hbyfrette.com, this robe brings the luxurious feeling of hotel robes into your home. Perfect for those who believe that loungewear is overrated, this bathrobe is an indulgence worth every penny.

#4: AESOP RESSURECTION AROMATIQUE HAND SOAP

Treat your hands to the luxurious Resurrection Aromatique Hand Soap for S$55 at Tangs. Known for its delightful fragrance and gentle cleansing properties, this hand soap is a perfect addition to your self-care routine.

It’s an everyday luxury that adds a touch of elegance to your home.

#5: DYSON V15 ABSOLUTE CORDLESS VACUUM

Unless specifically requested, gifting someone a vacuum can be misinterpreted. However, if you still don’t own the Dyson V15 Absolute Cordless Vacuum after your holiday haul, it’s time to gift it to yourself.

Priced at S$1,299 at Harvey Norman, this vacuum offers powerful suction, advanced filtration, and intelligent optimization, making cleaning effortless and efficient.

#6: FITBIT INSPIRE 2

If your 2025 New Year’s resolution is to get healthier, consider investing in a Fitbit Inspire 2. Priced at S$150 on Amazon, it features everything you need to track your health and fitness goals.

With a 24/7 heart rate monitor, activity tracking, sleep tracking, and a daily readiness score, this water-resistant device helps you stay on track without constantly needing to charge it as it has a 10-day battery life.

#7: DIOR ADDICT LIP MAXIMIZER

I recently received a compliment on this lip gloss at an optical store, with someone saying it looked so natural. I couldn’t agree more!

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The Dior Addict Lip Maximizer provides genuine hydrating and plumping care for your lips. Infused with cherry oil and hyaluronic acid, its formula is composed of 90% natural-origin ingredients. Priced at S$61 at Dior, this gloss is my absolute favorite, with its pigmentation and smooth application making it a must-have in any beauty routine.

 

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7 Purchases to Always Charge to Your Credit Card

Using a credit card can be a savvy move for various purchases, thanks to the added security and potential perks. Beyond building a strong credit history, some purchases are best made with a credit card to maximize these benefits.

Many cards offer rewards like points or cashback, which can accumulate over time, essentially giving you “free money” if you consistently pay off your balance without incurring interest fees. Remember to use your credit card wisely!

SCORING EVENT TICKETS

Credit cards often offer special access to event tickets. Many card companies have partnerships with event promoters or venues, giving cardholders the chance to buy tickets for concerts, sports events, and other activities before the general public. Sometimes, there are even exclusive events just for cardholders.

For instance, when Taylor Swift’s concert tickets in Singapore went on early sale, UOB cardholders had the advantage of grabbing tickets before others.

PURCHASE BIG-TICKET ITEMS

When buying big-ticket items like refrigerators, laptops, or other electronics, using a credit card is a great idea. Not only can you earn significant rewards points, but many credit cards also provide additional insurance on these items.

This might include extended warranties that double the manufacturer’s warranty or price protection if the item’s price drops shortly after purchase.

MAKE TRAVEL ARRANGEMENTS

Booking travel with a credit card can offer substantial benefits. Many cards provide travel-related perks such as trip cancellation or interruption coverage, lost luggage insurance, and even emergency medical coverage. These benefits can save you from purchasing separate travel insurance.

Travel-themed credit cards typically offer higher rewards points for travel-related expenses. Plus, a credit card is often required to secure bookings for flights, accommodations, and car rentals.

SECURE OVERSEAS PURCHASES

Credit cards are generally more widely accepted than debit cards when traveling abroad. They are also safer to carry compared to large amounts of cash, as lost or stolen credit cards can be cancelled easily. Some credit card companies offer favorable exchange rates, providing additional savings.

Before traveling, notify your credit card provider of your itinerary to avoid any security issues or hindrances with your card while overseas.

ADD TO CART

Using a credit card for online shopping offers several advantages. Credit card transactions are easier to trace and often come with protections against fraudulent charges. Many cards also provide insurance for items lost or damaged in transit.

Always ensure that you never send your credit card information over email or text to safeguard your details.

CHARGE YOUR BUSINESS PURCHASES

For business owners, using a credit card to manage expenses can simplify accounting and help build business credit. Many business credit cards offer cash-back rewards or statement credits for purchases like internet services, cell phone plans, and office supplies, which can aid in tracking and managing cash flow.

Using a dedicated business card for recurring expenses can also help with tax deductions.

PROTECT PHONE PURCHASES

If you enjoy buying products via home shopping channels or infomercials, always use your credit card. This provides protection if you don’t receive the item or if it doesn’t match what was advertised. Credit card protections can save you from potential scams or disappointments from phone orders.

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Using your credit card for these types of purchases can provide additional security, rewards, and peace of mind, making it a smart choice for managing your finances.

Sources: 1 & 2

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8 Ways to Lose Weight and Still Keep Your Budget

Losing weight often comes with the concern of high costs. From expensive gym memberships to pricey diet foods, the financial burden can seem daunting. However, shedding pounds doesn’t have to make you broke.

Here are eight practical ways to lose weight while keeping your finances in check, especially for those living in Singapore.

EMBRACE HOME WORKOUTS

You don’t need a gym membership to get fit. There are countless free resources online, from YouTube workout videos to fitness apps that offer comprehensive routines.

COOK AT HOME

Eating out or buying pre-packaged diet meals can quickly become expensive. Cooking at home allows you to control ingredients and portions while saving money. Websites like Noob Cook offer recipes that are both healthy and budget-friendly.

PLAN YOUR MEALS

Meal planning helps you avoid impulse purchases and reduce food waste. Buy only what you need, which means fewer trips to NTUC and less temptation to buy snacks. You can keep a journal to plan your weekly meals.

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UTILIZE LOCAL PRODUCE

Buying fruits and vegetables in season from wet markets or local farms can be cheaper than purchasing out-of-season produce at the grocery store. Additionally, local produce is often fresher and more nutritious.

DRINK MORE WATER

Sometimes, hunger is confused with thirst. Drinking a glass of water before meals can help you feel fuller and prevent overeating. Plus, it’s free!

WALK OR CYCLE AROUND

Incorporating more physical activity into your daily routine doesn’t mean you have to go to the gym. Try walking or cycling to work, or get off the bus or MRT one stop earlier to get those extra steps in.

JOIN FREE FITNESS COMMUNITIES

There are numerous online communities and local groups dedicated to fitness and health. These can offer support, motivation, and accountability without any cost. Check Eventbrite for free fitness events.

MAKE USE OF WHAT YOU HAVE

You don’t need fancy equipment to get a good workout. Use what you have at home – chairs for tricep dips, stairs for step-ups, or even canned goods as weights.

IN A NUTSHELL

Losing weight on a budget in Singapore is all about creativity and commitment. By making small, sustainable changes to your lifestyle, you can achieve your fitness goals without emptying your wallet.

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Share your own budget-friendly weight loss tips and stories in the comments!

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How to Thrive When a Spender Marries a Saver

 

You’ve found the love of your life and decided to get married. However, as you plan for your shared future, you realize that one of you is a spender while the other is a saver.

Fortunately, there are strategies to manage joint finances that can satisfy both partners. Here are some tips for maintaining a balanced relationship between a spender and a saver that have been beneficial for me and my spouse.

TALK ABOUT YOUR MONETARY FEELINGS

Money often elicits strong emotions: it can cause anxiety or excitement, and managing it can either calm or stress you out. Before getting married, take time to explore each other’s feelings about money and the reasons behind them. Did you grow up in a household where money was scarce or abundant? Your upbringing significantly influences your money attitudes, and your future spouse might see things differently.

When my husband and I were engaged, we had a deep conversation about our financial upbringings. He grew up in a frugal household where every dollar was accounted for, while I was raised in a family that enjoyed spending on experiences and luxuries. Understanding these backgrounds helped us empathize with each other’s financial perspectives.

DISCUSS YOUR SPENDING PRIORITIES

One partner might value designer items, while the other enjoys an expensive hobby. Perhaps you both love to travel, aspire to own a home, or want to retire early. By discussing your desires, you can find common ground. Planning and saving for shared goals can ensure that both partners are satisfied with the purchases you make together.

We both love to travel, but I tend to splurge on spontaneous trips while my husband prefer saving for bigger vacations. By discussing our priorities, we agreed to save a portion of our income specifically for travel, allowing us to enjoy both planned and impromptu trips. If both partners agree, you can establish a clear plan for discretionary spending and saving for long-term goals.

CHOOSE PAYMENT METHODS WISELY

The pain of spending can be mitigated by using credit cards or small denominations of cash. One-click purchases and buy-it-now payments are also less painful. These payment methods can make spending less distressing for savers. Conversely, using cash, especially in large denominations, can make spending more painful for savers, though spenders are generally less influenced by the payment method.

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I noticed that my husband found it easier to stick to our budget when using cash. We decided to allocate a monthly cash allowance for discretionary spending, which helped us control our expenses better.

CONSIDER OPPORTUNITY COSTS

Many people, particularly spenders, often overlook opportunity costs at the time of purchase. When reminded of these costs, spenders tend to make more frugal choices.

For example, in a study where spenders had to choose between a S$950 and a S$1,360 stereo, they were more likely to choose the S$950 stereo when reminded that the cheaper option left them with S$410 in cash. This extra cash can be used for a weekend getaway. Highlighting opportunity costs can help spenders make more mindful decisions.

HIGHLIGHT VIRTUE IN SPENDING

Savers are more willing to spend on virtuous items, such as healthy food, compared to vices. If a saver is hesitant about a vacation, emphasize the virtuous aspects of the trip, such as quality time with family or the health benefits of relaxation.

SEEK PROFESSIONAL HELP

If you struggle to agree on a budget, consider consulting a financial planner. They can help create a budget that works for both of you.

Financial planners offer impartial advice and can determine whether certain expenses are affordable or should be postponed.

AVOID COMPARING YOURSELF TO OTHERS

Spenders and savers often have different life goals, which can lead to tension. Avoid comparing yourself to your partner as a way to justify your spending habits. This approach only deepens the divide and rarely resolves issues.

If you’re a saver, it’s easy to feel superior because you save more, but such feelings can harm your relationship. Remember, spending habits do not define a person’s worth or value in a relationship.

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By following these tips, you can foster a financially harmonious relationship. Embrace your differences, communicate openly, and work together towards common goals to ensure a happy and prosperous future.

Sources: 1 & 2

 

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12 Hacks to Pack Like an Expert & Avoid Extra Fees

Packing can be overwhelming, even with the best or most expensive luggage. The stress often comes from not knowing exactly what you’ll need at your destination. To streamline the process and avoid unnecessary fees, here are 12 expert tips to help you pack like a pro.

PACK WITH A COLOR PALETTE

Choose a color palette you love, such as brown, black, or pink. Stick to this range for your tops and bottoms to mix and match outfits easily. This strategy maximizes wardrobe options while minimizing the number of pieces you need to pack. For example, a navy blue skirt can pair with multiple tops, creating several different looks from just a few items.

FOLLOW THE RULE OF THREE

Limit yourself to three pairs of shoes: one casual sandal or loafer, one pair of sneakers, and one evening shoe. Shoes take up significant space, so wear the heaviest pair during travel and pack the other two. This approach conserves space and helps distribute weight more evenly.

ARRANGE CLOTHES THOUGHTFULLY

Start by placing rolled, softer items like tees and underwear at the bottom of your suitcase. Next, add folded garments, starting with the longest items such as skirts and dress pants. Alternate waists and hems to save space, draping the ends over the opposite side. Fold shorter items like shirts at the hinge and snake belts around the perimeter to maximize every inch of space.

USE RESEALABLE BAGS FOR SHOES

Place each pair of shoes in a resealable bag to keep dirt and germs away from your clean clothes. Position the bagged shoes along the sides of your suitcase. This method keeps your clothes clean and organizes your suitcase more efficiently, making it easier to unpack upon arrival.

ROLL AND FOLD ITEMS

Use a combination of rolling and folding to optimize space. Roll softer items like T-shirts, underwear, and knitwear to prevent wrinkles, and fold stiffer items like blazers and dress pants. This hybrid approach ensures that your clothes arrive in good condition and allows you to fit more into your suitcase.

OPT FOR TRAVEL-SIZED, MULTI-TASKING ITEMS

Choose products that serve multiple purposes, such as a tinted moisturizer that acts as a foundation, or a combined soap and shampoo. This reduces the number of toiletries you need to bring. If you’re flying with a carry-on, remember to check current regulations for liquids to ensure compliance and avoid delays at security checkpoints.

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KNOW YOUR AIRLINE’S WEIGHT LIMIT

Be aware of your airline’s weight limits for checked luggage. Use a lightweight suitcase and pack with a handheld weight scale to avoid overpacking. This proactive measure helps you stay within the allowed weight limits, preventing costly overweight fees at the airport.

MAKE EVERY INCH COUNT

Utilize every bit of space, including inside your shoes. Roll up socks, underwear, or smaller items and stuff them into boots or sneakers to save space and maintain their shape. This technique maximizes your luggage capacity and helps keep your shoes in good condition during travel.

INVEST IN PACKING CUBES

Packing cubes are a game-changer for organization. Bring an extra cube for dirty laundry. When you return home, you can easily transfer the contents into your laundry basket without rummaging through your suitcase. This simple step keeps clean and dirty clothes separate and makes unpacking a breeze.

SPLURGE ON GOOD QUALITY TOILETRIES

High-quality toiletry bottles are worth the investment. They save space and ensure you have just the right amount of your favorite products. Durable bottles prevent leaks and spills, protecting your clothes and other belongings.

SHRINK DIRTY LAUNDRY

Use compression bags or cubes for dirty laundry. Graphic designer Jessica Ellis recommends Eagle Creek packing bags that can reduce the volume of your clothes by up to 80%. You can get the similar items from online retailers. This method is particularly useful for longer trips where laundry can accumulate and take up significant space.

KNOW THE HIDDEN COSTS

Always check for hidden fees associated with overweight luggage. Planning ahead and packing strategically ensures you stay within the allowed limits and avoid surprise charges.

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By following these tips, you can pack efficiently, avoid extra fees, and ensure a smoother travel experience.

Sources: 1 & 2

 

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