Anna Agoncillo, Author at MoneyDigest.sg

6 Secrets to Slashing Costs on a Cruise Holiday

My father recently found himself with some extra income. After diligently paying off debts, he realized that he and my mother could finally take a cruise and travel together for the first time since their kids grew up.

Cruises from Singapore or any part of the world can be expensive, but they don’t have to be. Here are six secrets we’ve discovered to help you save money on your next cruise holiday.

#1: BOOK EARLY

Booking your cruise early can often secure the best deals and the widest choice of itineraries and cabins. Many cruise lines offer early bird discounts and special promotions that can save you a significant amount of money. My friends managed to snag a great deal by planning their honeymoon trip well in advance, ensuring they got the cabin they wanted at a fraction of the peak price.

#2: LOOK FOR INCLUSIONS

When booking a cruise, the lowest price isn’t necessarily the best deal. Patton, a seasoned travel advisor, points out that the starting price doesn’t always reflect what you’re getting for your money. “Many small-ship cruise lines offer all-inclusive fares where excursions, beverages, and specialty dining are included. These can cost you a lot if bought separately,” she says. Michael Middleton of MyCruises recommends looking for deals that offer inclusions, such as onboard Wi-Fi for a set day rate, which can add up to substantial savings.

#3: AVOID PAYING FOR FLIGHTS

Flights can be notoriously expensive due to high demand and limited supply. One way to save is by cruising from your home port. Cruise lines like Royal Caribbean and Resorts World Cruises have departure points in places like Singapore, which can eliminate the need for pricey flights. My parents chose a cruise departing from Singapore, saving them a considerable amount on airfare.

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#4: CONSIDER PACKAGE DEALS

Bundling different aspects of your cruise holiday, such as flights, accommodation, tours, and transfers, can result in significant savings. Travel agents often have access to rates not available to the public.

Websites like Klook also offer package deals that can help reduce overall costs. Browse through their selections today.

#5: THINK LAST MINUTE

If your free time is spontaneous or out of the blue, consider last-minute bookings. These deals are often available during year-end promotions or when cruise lines need to fill remaining cabins.

#6: SHOP AROUND

It’s always wise to shop around and compare prices before making a booking. Different travel agencies and websites offer various promotions and discounts. My father spent time researching and comparing different options before making a final decision. This careful shopping around helped him find the best deal, ensuring a memorable and cost-effective cruise holiday for my parents.

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In conclusion, with a little planning and smart shopping, a cruise holiday can be an affordable and enjoyable experience.

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Is Upgrading Your Flight Truly Worth It?

As you make your way through the business class cabin to your seat in coach, it’s hard not to feel a twinge of envy. The plush seats, extra legroom, and attentive service are undeniably tempting.

But is upgrading your flight really worth the cost? Let’s explore the details.

THE DIFFERENCES

Economy Service on International Flights

In economy, you can expect a meal or snack, though the quality is often just average. Most airlines offer juice and wine during meal service. Your seat will have standard legroom, a small pillow, and a light blanket (i.e., items upon request). However, you might need to pay extra for headphones.

Premium Economy Service on International Flights

Premium economy offers all the benefits of standard economy with a few added perks. You’ll enjoy about three extra inches of legroom, complimentary earbuds, dedicated overhead storage, early boarding, and a small amenity kit with earplugs and a sleeping mask on long-haul flights.

Business Class on International Flights

Business class enhances comfort with more legroom, greater seat recline, and a footrest. You’ll benefit from expedited check-in, early boarding, dedicated overhead bins, and a more private cabin. The dining experience is elevated with more frequent food, snack, and drink service. You’ll also receive a premium amenity kit, higher-quality pillow, thicker blanket, and noise-canceling headphones.

First Class or Premium Service on International Flights

Expect lay-flat seats, a larger entertainment system with noise-canceling headphones, lounge access, expedited check-in and boarding, and extra overhead bin space. The premium amenity kit may include pajamas, and you’ll be treated to a welcome cocktail, premium wines, and gourmet meals served on fancy plates. Some flights even feature suites with doors for added privacy.

CONSIDER THESE FACTORS

#1: FLIGHT DURATION

The length of your flight is a critical factor. For flights under 7-8 hours, the upgrade might not be worth it. However, for longer flights to USA, Africa, New Zealand, or Europe, the enhanced comfort can significantly improve your travel experience.

#2: COST

Cost is a major consideration. Upgrading from economy to premium economy on a flight might cost an extra SGD 135 to SGD 270, which can be a worthwhile investment for the added comfort. However, upgrading to first class can add SGD 2,700 to SGD 5,400 to your ticket price, translating to SGD 337.50 to SGD 675 per flight hour. Assess if the additional legroom and perks are worth the hefty price.

Consider upgrading only the longest leg of your journey to save money. Airlines often offer upgrade deals after booking, which can be significantly cheaper than the original first-class ticket price.

#3: TRAVELING WITH KIDS

For families traveling with children on long flights, an upgrade can make a world of difference. The additional space and comfort can help everyone get some rest, making it easier to hit the ground running when you reach your destination.

#4: FLIGHT ANXIETY

If flying makes you anxious, upgrading can help alleviate some of that stress. The more spacious and comfortable environment, with less crowding and noise, can make the experience more relaxing, even if the actual flight isn’t any safer in a premium cabin.

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#5: BAGGAGE ALLOWANCE

Upgrading often comes with increased baggage allowances. Some airlines allow up to 20 lbs more luggage for premium passengers, which can save you from expensive overweight fees. If you tend to overpack or shop a lot on your trips, this added benefit can be very useful.

#6: AIRLINE REWARDS PROGRAMS

Frequent flyers can benefit from airline rewards programs that offer free or discounted upgrades. Take advantage of these programs!

#7: TIME SAVER

Premium passengers can often skip the long lines at check-in and security, which can save a significant amount of time. This is especially valuable if you’re on a tight schedule or have a business meeting right after your flight.

IN A NUTSHELL

Whether upgrading your flight is worth it depends on various factors, including flight duration, cost, personal comfort, and travel needs.

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For long-haul flights, the increased comfort and additional perks can make a substantial difference. However, for shorter trips, the extra expense might not be justified. Assess your priorities and travel preferences to make the best decision for your journey.

Sources: 1 & 2

7 Ways to Save Money When Shopping for Designer Goods

I love shopping, and I can even relate to the movie Confessions of a Shopaholic, despite having no credit card debt like Rebecca Bloomwood. I also remember watching The Devil Wears Prada and being in awe of the designer items showcased.

Many of us feel pressured to drastically cut our spending to be considered “good with money”. Most financial advice doesn’t consider the spending habits of those who occasionally splurge on designer items. On that note, here are some tips to save money while still indulging in designer shopping.

#1: CHECK YOUR MAILING LIST

Avoid buying items at full price. When you purchase designer items, you’ll typically receive emails about upcoming sales and promotions. Make sure you’re subscribed to these mailing lists to stay informed about discounts.

#2: WAIT FOR SALES

If you love something but it’s out of your budget, be patient. Most items eventually go on sale, usually a few weeks to a few months after their release. This waiting period can save you money, and you might even find a similar item at a lower price or lose interest in the original piece altogether.

#3: INVEST IN TIMELESS PIECES

While I often buy affordable tops in Uniqlo, I also invest in quality designer staples like classic plain tees and silk scarves. Spending more on high-quality basics can save money in the long run, as they withstand wear better than cheaper alternatives.

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#4: SHOP AT THRIFT STORES

Thrifting has become increasingly popular, and it’s a great way to save money. Fashion trends are cyclical, and designer thrift stores such as Refash or Dustbunny Vintage offer trendy items at a fraction of the price. Plus, it’s a sustainable shopping option.

#5: SELL YOUR CLOTHES

Declutter your wardrobe and sell clothes you no longer wear on platforms like Carousell. This not only gives you extra cash for new luxury clothes but also helps keep your wardrobe organized. Even if you don’t make much, it’s better than letting old clothes gather dust.

#6: BUY OUT OF SEASON

Purchasing clothes out of season can lead to significant savings. By shopping for winter clothes in the summer or summer clothes in the winter, you can often find great deals on high-quality items.

#7: DO YOUR RESEARCH

Before buying a luxury item, compare prices online across different regions. Sometimes, you can save money by purchasing in countries like Japan, Hong Kong, Taiwan, or Thailand. Do your homework to find the best deal.

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By following these tips, you can enjoy designer shopping without breaking the bank. Happy shopping!

Perfume Addict’s Guide to Saving Money on Fragrance in Singapore

I’m enchanted by luxury perfumes, with Apogée by Louis Vuitton, Miss Dior by Christian Dior, and Coco Mademoiselle by Chanel being my go-to daily scents. However, indulging in the latest fragrances can be expensive. Thankfully, with some smart strategies, you can keep your collection fresh and varied without breaking the bank!

Here’s a comprehensive guide to saving money on perfumes in Singapore.

SHOP DURING SPECIAL EVENTS

Singapore is known for its grand sales events, such as the Great Singapore Sale, Black Friday, and mid-year sales. These are prime times to score discounts on high-end perfumes. Keep an eye on the dates and prepare your wishlist in advance. Many stores also offer significant discounts during festive seasons like Christmas, Chinese New Year, and Hari Raya.

USE ONLINE PLATFORMS

Online platforms like Lazada, Shopee, and Zalora often have competitive prices and frequent promotions. They also offer discount codes, flash sales, and bundle deals that can significantly reduce the cost of your favorite fragrances. Additionally, international websites like FragranceNet and Strawberrynet ship to Singapore and often feature lower prices compared to local retailers.

BUY DECANTS, SAMPLES, OR DUPES

Instead of splurging on full-sized bottles, consider purchasing decants or samples. These smaller quantities allow you to enjoy a variety of scents without committing to the high cost of a full bottle. You can also find local sellers on Carousell who offer authentic decants and samples.

I recently came across Zara dupes for expensive perfumes, including Zara Sublime Epoque for Armani My Way, Zara Red Temptation for Maison Francis Kurkdjian Baccarat Rouge 540, and Zara Nude Bouquet for Miss Dior Blooming Bouquet. Moreover, you can check out Bath and Body Works’ Oh, Cherry Fine Fragrance Mist, a dupe for Tom Ford’s Lost Cherry, and Petal Parade Fine Fragrance Mist, a dupe for Carolina Herrera’s Good Girl.

EXPLORE DUTY-FREE SHOPPING

If you’re traveling, Changi Airport’s duty-free shops are a treasure trove for fragrance lovers. You can find exclusive deals on a wide range of perfumes, often at lower prices than in regular stores. Remember to check if there are any additional discounts for travelers or special offers available. I remember buying my husband a Coach perfume at the airport that was much cheaper than at Sephora!

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JOIN LOYALTY PROGRAMS

Many perfume retailers have loyalty programs that reward you with points for every purchase, which can later be redeemed for discounts or free products. Joining mailing lists can also be beneficial, as subscribers often receive exclusive offers, early access to sales, and special discounts.

VISIT DISCOUNT STORES

Discount stores and outlets, such as Mustafa Centre, often stock a wide range of perfumes at lower prices. While the selection might not include the latest releases, you can still find many popular and classic scents at a fraction of the cost. Usually, discount stores provide small testers that you can take home.

OPT FOR SECOND-HAND

Purchasing pre-loved perfumes can be a great way to save money. Platforms like Carousell allow individuals to sell their lightly used fragrances at reduced prices. Ensure the seller has good reviews and the perfume is well-maintained. This option is particularly useful if you’re looking to try a scent without the full retail price commitment.

ATTEND FRAGRANCE WORKSHOPS

Sometimes, fragrance brands and retailers host workshops and events where participants can create their own perfumes or receive samples. These events can be a fun way to discover new scents and often come with complimentary goodies or discounts on purchases made during the event.

SWAP YOUR FRAGRANCES

Joining online communities and forums dedicated to fragrance enthusiasts can open up opportunities for swapping perfumes. Platforms like Reddit’s r/fragrance and various Facebook groups allow you to exchange scents with others, providing a cost-effective way to explore new fragrances.

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By leveraging these tips, you can enjoy a diverse and luxurious perfume collection without overspending. Happy scent hunting!

How to Make Money with TikTok

If you’re eager to monetize your TikTok presence, there are several effective strategies you can explore. Whether you’re a dancer, singer, comedian, or any other type of content creator, TikTok offers numerous opportunities to generate income. Here’s how you can turn your TikTok passion into profit:

SELL YOUR OWN PRODUCTS

Selling your own products on TikTok is a fantastic way to monetize your content. Creators can design and sell merchandise to their loyal fans, with options including cosmetics, t-shirts, tote bags, pillowcases, hats, mugs, stickers, and notebooks through print-on-demand companies.

Beyond generating revenue, selling branded merchandise deepens your fans’ connection to your personal brand. Each follower who wears your merch becomes a walking advertisement, spreading the word about your business.

CREATE IN-FEED ADS

While TikTok offers many organic marketing opportunities, paid ads can significantly expand your reach. Using TikTok’s ad manager, you can create in-feed ads that appear in users’ “For You” feeds and autoplay.

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Paid ads allow you to target audiences likely interested in your products, ensuring your content reaches the right people.

AFFILIATE PARTNERSHIPS

Affiliate marketing is another powerful way to make money on TikTok. Brands running affiliate campaigns can easily collaborate with willing creators. As a creator, you can promote products and earn a commission for every sale made through your unique affiliate link.

SELL ON TIKTOK SHOP

TikTok Shop is an excellent tool for in-app shopping, allowing users with business accounts to create shoppable videos and livestreams. By tagging products in your videos, you can naturally draw viewers’ attention to items you want to promote.

Adding product information and buy buttons to your content can drive traffic to your affiliate partners or your own online store. If you use Shopify, you can integrate it directly with TikTok Shop, enabling users to browse and purchase items without leaving the app.

ESTABLISH CROWDFUND PROJECTS

Crowdfunding is a great way to secure a regular income stream while engaging your audience. If you’re dedicating significant time and effort to your content, offering an easy, no-pressure way for your fans to support you can be very effective.

Use TikTok to rally your followers around a specific project by setting up a funding goal and hosting live fundraising events. Whether you need startup funds or support for ongoing projects, crowdfunding provides a flexible and accessible funding option.

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By leveraging these strategies, you can effectively monetize your TikTok presence and turn your passion into a profitable venture. Happy creating!

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