8 Budgeting Tips for Your 2025 Wedding

Planning your dream wedding in 2025? With Pantone’s Mocha Mousse leading the way in earthy, romantic tones, it’s time to create a celebration that reflects your love story without blowing your budget.

Follow these 8 savvy ways to save money while planning a stunning wedding in Singapore.

#1: ESTABLISH A BUDGET

Before diving into Pinterest boards or venue tours, take the time to establish a clear wedding budget. This should include all potential sponsors: whether it’s just you and your partner or family members contributing financially. Setting a budget is crucial and helps you avoid booking any vendors prematurely. Moreover, a well-thought-out budget ensures that you and your future spouse won’t start your married life burdened by debt.

When my husband and I got married, we initially had a budget in mind, but it ended up doubling due to unforeseen expenses. For instance, we had to accommodate added guests, which increased costs for food, seating, and even invitations. Remember, it’s always better to have a buffer for unexpected expenses.

#2: CUT DOWN THE GUEST LIST

The guest count determines costs for everything from catering to table decor. Keeping it small and intimate is not only trendy but also budget-friendly.

Consider this: A dinner reception in Singapore typically costs S$100 to S$200 per person. Reducing your guest list from 100 to 50 can significantly lighten your financial load while making the event feel more personal.

#3: PRIORITIZE WHAT MATTERS

Your guests will remember the food, drinks, and overall experience, so channel your resources into these aspects. Opt for creative yet cost-efficient catering like live food stations or dessert tables instead of multi-course meals.

#4: SUPPORT LOCAL VENDORS

Working with local florists, caterers, and photographers saves on transportation fees and helps you avoid imported price hikes. Explore bridal fairs in Singapore, ask friends for recommendations, or check online reviews for reliable vendors.

One bride shared: “Our local florist near Toa Payoh saved us a bundle with seasonal arrangements that looked gorgeous and fresh.”

Image Credits: unsplash.com

#5: PLAN EARLY

Planning early not only gives you peace of mind but also helps you lock in rates before prices increase. Book your venue, caterers, and key vendors at least a year in advance to take advantage of early-bird deals. With proper planning, you’ll reduce stress and enjoy the process more.

#6: DIY WHENEVER POSSIBLE

Add personality into your wedding by doing it yourself! Borrow decor from friends or use free design tools for invites. Websites like Canva offer chic templates, perfect for creating personalized wedding stationery on a budget.

#7: ENLIST THE HELP OF TALENTED FRIENDS
Your network can be your secret weapon. Have a musically inclined friend perform during the ceremony or ask an artistic one to create custom signage.

In our current wedding scene, brides are increasingly opting for friends to serve as emcees, saving costs on professional services while keeping the vibe warm and familiar.

#8: REIMAGINE TRADITIONS

Not a fan of spending hundreds on a tiered cake which can cost up to S$1,000? Swap it out for a chic dessert bar featuring macarons, cupcakes, or even a kueh platter that adds a uniquely Singaporean touch!

Image Credits: unsplash.com

Your 2025 wedding doesn’t have to drain your savings as the next marital step is more important. By setting priorities, supporting local businesses, and getting creative, you can craft a day that’s uniquely yours while keeping your wallet happy!

Sources: 1 & 2

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How to Reach Financial Stability While Adulting

Adulting often feels like a juggling act. You’re managing bills, savings, and responsibilities, while also trying to make room for the things that keep you sane like shopping, travel, or that occasional indulgence. It can feel overwhelming, but you can find balance and achieve financial stability with the right strategies. Start with these steps:

LEARN TO ALLOCATE

Budgeting is the cornerstone of financial stability. One effective strategy is the 50-30-20 rule, which suggests allocating:

a. 50% of your monthly income to fixed expenses, like housing, transportation, and subscriptions.
b. 30% to flexible spending, such as shopping, bag charm collections, and leisure activities.
c. 20% to savings or financial goals, creating a cushion for emergencies.

This formula isn’t one-size-fits-all. Feel free to tweak it based on your priorities and responsibilities. The key is to give every peso or dollar a purpose.

TRACK YOUR SPENDING

Ever wonder where your money disappears? Keeping a detailed record of your expenses can be eye-opening. Apps, spreadsheets, or even a good old notebook can help you identify spending habits and areas where you can cut back.

A practical tip: Some people swear by having a bank account without online access as it requires more effort to withdraw money, which might discourage impulsive spending.

EDUCATE YOURSELF FINANCIALLY

Knowledge is power, especially when it comes to personal finance. Start by reading books or articles from reputable sources like Money Digest or the Government’s MoneySENSE. These resources break down complex topics into simple, actionable advice.

Image Credits: unsplash.com

If you’re ready to take it up a notch, consult financial professionals like planners or accountants. And remember, stay firm on your goals. Don’t let anyone pressure you into overspending, whether it’s a significant other or friends planning extravagant trips.

BUILD AN EMERGENCY FUND

You’ve heard it before: “Save for a rainy day.” But how? Allocate a percentage of your income to a contingency fund. This could be in a savings account or investments that allow your money to grow. Even small, consistent contributions can build a significant safety net over time.

SAVE FOR RETIREMENT NOW

It’s never too early to think about your future. Thanks to the power of compound interest, starting your retirement fund in your 20s can set you up for a comfortable future. The earlier you start, the more your savings will grow, with interest building on both the principal and the interest already earned.

INVEST IN YOURSELF

Before diving into stocks or real estate, focus on the most valuable investment: you. Whether it’s pursuing a degree, learning new skills, or taking courses unrelated to your job, self-improvement pays off in the long run.

Employers value well-rounded individuals who demonstrate ambition and a commitment to growth. Explore free or low-cost learning platforms like the Singapore University of Social Sciences or SkillsFuture Singapore.

ADOPT A HEALTHY FINANCIAL MINDSET

Financial stability isn’t just about numbers as it’s about mindset. Create a lifestyle that’s both enjoyable and sustainable. Learn to view money not as the goal but as a tool to achieve your dreams.

As Melissa Olson, AVP and Wealth RPS Education Coordinator at Johnson Financial Group, puts it:
“Adopting a healthy money mindset involves more than just managing your finances—it’s about creating a sustainable lifestyle that aligns with your financial capabilities and future aspirations.”

By living within your means and developing a strong savings plan, you’re setting yourself up for a lifetime of options and freedom.

Image Credits: unsplash.com

Budget wisely, educate yourself, and never stop investing in your future. The road to financial stability starts with small, intentional steps. Take yours today!

Sources: 1,2, & 3

 

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Why “Buy Now, Pay Later” Might Not Be Your BFF

Browsed any online store recently? You’ve probably encountered the enticing “Buy Now, Pay Later” (BNPL) option. With the promise of splitting payments over weeks or months without interest or hefty fees, it seems like a dream come true. For many, it has been. Yet, as it becomes a tool for essentials like groceries, it’s worth pausing to consider: is BNPL as great as it seems?

#1: BUYER’S REMORSE HITS TOO LATE

Remember the days of saving for that dream pair of sneaks, making payments, and only taking them home after they were fully yours? BNPL flips this script. You get your purchase instantly, and with the click of a button, you’re locked into a commitment before common sense kicks in.

If regret creeps in later, BNPL doesn’t care. Essentially, you’ve handed over control of your wallet.

#2: RISKY CONNECTION TO YOUR CARDS

BNPL payments are often tied directly to your debit or credit card. Miss a payment due to insufficient funds? Expect a late fee. Fail to pay off your credit card balance on time? That BNPL purchase suddenly carries a hefty interest charge. What starts as a seemingly free loan could snowball into a mess of late fees and mounting credit card debt.

#3: IMPULSE SPENDING MADE EASY

Saving up for a purchase gives you time to evaluate if it’s truly necessary. BNPL removes that waiting period, nudging you to click buy without hesitation. So, if you’re going to use BNPL, be intentional. A new wardrobe for a job might be justifiable. A shopping spree because it’s interest-free? Not so much.

Image Credits: unsplash.com

#4: HAVING A MINDSET OF “ZERO” INTEREST

While many BNPL services advertise zero-interest payments, not all plans are created equal. Larger purchases, like appliances or electronics, may come with longer terms and interest. Sometimes, the interest rates are even higher than what your credit card might charge.

The trouble? It’s all too easy to click “BNPL” without fully reading the terms. Once the purchase is processed, undoing it can be a challenge.

#5: TRAPPED BY HIDDEN PSYCHOLOGY TRICKS

One of BNPL’s sneakiest pitfalls is how it breaks down costs. A purchase of S$80 might feel like a mere S$20 every fortnight. While this makes items feel more affordable, it also detaches you from the full cost. Couple this with a lack of financial education and relentless advertising, and many see BNPL as a way to manage money. The result? Early reliance on debt and a lifetime habit of paying things off in chunks rather than saving.

Image Credits: unsplash.com

IN A NUTSHELL

Don’t buy it if you cannot afford it. If you’re tempted, ask yourself: Do I truly need this? Can I pay for it outright?

Financial freedom isn’t about splitting payments or juggling debts. It’s about saving and spending within your means. BNPL may be a tool, but it’s not a safety net. In the end, whatever you’re buying will feel far better when they’re truly yours.

Sources: 1 & 2

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7 Plushies to Heal Your Inner Child (Beyond Labubu!)

If you’re a fan of plush toys dangling from bags, you know that Labubu has set the gold standard. But guess what? It’s not the only cutie in town.

There’s a world of plushies ready to take center stage, each bursting with charm and nostalgia. Whether you’re reconnecting with your inner child or simply accessorizing with flair, these plushies are the ultimate feel-good companions.

#1: TEDDY LULU

First on the list is the irresistibly adorable Teddy Lulu by TOYZERO+. This minimalist yet charming little piggy is perfect for fans of understated cuteness. Small, squishy, and endlessly lovable, Lulu is dressed in the cutest teddy bear outfit. It’s a piggy in a bear disguise, and it’s pure perfection! You can snag one for as low as SGD 18 to 21 on Shopee or Carousell. Honestly, how can you not love this adorable combo?

Image Credits: facebook.com/profile.php?id=61564126852037

#2: MANCHAO

The Manchao Naughty Animal Plush Pendant or Manchao Head adds charm and fun to any collection. These plush pendants are part of a blind box series, sold typically at SGD 20 to 30 each. Their playful designs make them ideal for accessorizing bags or keychains while appealing to a wide range of ages.

Image Credits: facebook.com/profile.php?id=100064812982378

#3: MOLLY

Meet Molly, the icon of quirk and charm. Created in 2006 by Hong Kong artist Kenny Wong, Molly is instantly recognizable with her golden locks, piercing green eyes, and signature pout. From casual to cosplay-inspired designs, Molly has it all. Her plush pendants range from SGD 20 to a jaw-dropping SGD 1,900 for rare figurine finds.

Image Credits: POP MART

#4: LIILA’S ZOO

Take a walk on the wild side with Liila’s Zoo. These animal-inspired plushies (i.e., think lions, giraffes, and more) bring a splash of fun to your style. Whether you’re into playful designs or statement pieces, you’ll find one to love. Prices hover around SGD 22 to 35, making them a budget-friendly delight.

Image Credits: facebook.com/PearlClothingPhilippines

#5: CRYBABY

Created by Thai artist Molly Yllom in 2017, Crybaby is more than just a plushie as it’s an emotional journey. With its teary-eyed expression, this adorable creation symbolizes the healing power of tears. Perfect for those who seek a meaningful connection through art, Crybaby POP MART plushies can be found in price ranges from SGD 20 to 350, depending on the edition and rarity.

Image Credits: POP MART

#6: DORA

Who can resist Dora dressed as their favorite animals? The TNTSPACE Dora Animals Series plush dolls feature cute and fierce designs, from koalas and foxes to baby elephants and dogs. Retailing for about SGD 17 to 20 each, these cuddly companions are too adorable to pass up.

Image Credits: facebook.com/tingting.gonzales.2024

#7: NOMMI 

For those who love interactive designs, Nommi Loveliness Never Ends Series Plush is a must-have. Bulkier than most plush pendants, Nommi has eyes that move and can be customized for added whimsy. Whether you’re looking for a quirky vibe or a bold statement, Nommi’s plushies are a perfect fit, priced between SGD 20 to 50.

Where to Score These Plushies? Typically these plushies are sold on Carousell Singapore, POP MART stores, and Shopee Singapore. Please shop around to get the best deals.

Image Credits: facebook.com/PearlClothingPhilippines

Who says accessories can’t be cuddly? These plushies are more than just bag décor as they’re a way to wear your personality on your sleeve (or strap). Whether it’s the nostalgic Crybaby, the stylish Nommi, or the cheeky Teddy Lulu, there’s a plushie waiting to light up your day.
So, go ahead and pick up a charm or two!

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Best Ways to Spend Your Korean Won This December

My husband, his sister, my mother-in-law, and I are ready to brave the chilly winter weather as we embark on our holiday adventure in South Korea this December! We are ready to experience the local culture with every bite of delicious Korean food, put my Hangul skills to the test, and indulge in the world-renowned K-beauty products.

With a limited budget but an abundance of things to explore, I did my research to discover the best ways to spend our Korean won.

#1: BEAUTY OF JOSEON PROPOLIS SERUM

I’ve always been intrigued by honey in skincare, and the Beauty of Joseon Propolis Serum is exactly what my skin needs this winter. This honey-like serum is packed with propolis and niacinamide to balance oil production, minimize pores, and even out skin tone. It’s hydrating without feeling greasy. For about 21,000 KRW, this serum can provide what we need for the dry winter air.

#2: COSRX LOW PH GOOD MORNING GEL CLEANSER

As a longtime fan of COSRX, this gel cleanser never disappoints. It gently cleanses without stripping your skin, thanks to its pH-balanced formula. With BHA to unclog pores and tea tree oil to zap zits, this daily face wash keeps me feeling fresh without worrying about breakouts or dryness. It retails for as low as 10,000 KRW.

#3: SAEM ICELAND HYDRATING EYE STICK

For those days when I’ve hit the snooze button one too many times, The Saem’s Iceland Hydrating Eye Stick is a lifesaver. Infused with Icelandic glacier water, it delivers an instant hydration boost, giving my eyes the freshness they need to start the day right. It’s priced at 8,500 KRW.

#4: MIXSOON BEAN CREAM

Finding the perfect moisturizer can feel impossible until I discovered Mixsoon Bean Cream, selling for about 30,000 KRW. This thick yet light cream is a game-changer, leaving my skin plump, hydrated, and dewy. It’s truly the kind of cream I can see myself using for years to come.

#5: ROM&ND JUICY LASTING TINT

This lip tint is a cult favorite for a reason. Known for its long-lasting formula, the Rom&nd Juicy Lasting Tint offers beautifully soft shades. It’s perfect for achieving a natural, lasting lip look with minimal touch-ups throughout the day. Tint is priced at 13,000 KRW.

Image Credits: romand.us/products/rom-nd-juicy-lasting-tint

#6: AOU GLOWY TINT BALM

AOU has become one of my favorite K-beauty brands, especially their Glowy Tint Balm. Popular among K-pop idols, this balm works double duty as both a lip and cheek tint. For a flesh glow, you can get it for 18,000 KRW.

#7: TEAZEN KOMBUCHA

If you’re looking for a refreshing, healthy drink, Teazen Kombucha is a must-try. Loved by BTS’s Jungkook, this low-calorie, sugar-free kombucha comes in flavors like Shine Muscat and Peach. It retails for about 2,000 KRW.

#8: DELIGHT PROJECT BAGEL CHIPS

You haven’t truly tasted Korea until you’ve tried DELIGHT PROJECT’s bagel chips. Available in savory flavors like “Corn Soup” and “Real Pizza,” these crispy treats are a perfect snack while shopping or exploring. They’re addictive and definitely worth the purchase (i.e., 5,000 KRW each), even if the portions are a bit small.

#9: MEDIHEAL SHEET MASKS

As an avid fan of Korean skincare, I swear by sheet masks for instant hydration. MEDIHEAL offers a range of options, including their Watermide and Tea Tree masks, which are perfect for soothing dry or acne-prone skin. These masks (i.e., 2,000 KRW per mask) leave your skin feeling refreshed and rejuvenated after just one use.

#10: OMORI KIMCHI STEW RAMYUN

Warm up with a bowl of Omori Kimchi Stew Ramyun for about 2,500 KRW. The soft noodles and flavorful broth strike the perfect balance between spicy and tangy, with just the right amount of kimchi. It’s a comfort food that’s perfect for a chilly day in Seoul.

#11: K-FISH FISH CAKES

For a taste of traditional Korean street food, try K-fish fish cakes. These are often used in dishes like tteokbokki (spicy rice cakes) and budae-jjigae (army stew). They’re chewy, savory, and packed with flavor. It retails in the grocery for about 3,500 KRW.

Image Credits: unsplash.com

#12: HAIO SEAWEED

Haio Seaweed (i.e., about 1,500 KRW each) is a simple yet delightful treat. Fresh, lightly toasted with sesame oil, it’s perfect for snacking or pairing with a bowl of rice. It’s the kind of snack you’ll want to stock up on!

#13: CHOCO PIE

No trip to Korea is complete without trying a Choco Pie. This chocolate-coated marshmallow cake, which costs approximately 1,500 KRW, is a beloved Korean snack. With unique flavors constantly being released, it’s always fun to try something new.

#14: AUTHENTIC GINSENG

Looking for an uncommon souvenir? Visit the ginseng market in Jegi-dong for high-quality ginseng products. From raw ginseng to extracts, you’ll find something for every budget, with most tourists spending around 50,000 to 80,000 KRW.

#15: KOREAN SOCKS

One of the best souvenirs you can buy in Korea are their famous socks. Whether you’re looking for something cozy or quirky, you can find a wide variety at affordable prices usually ranging from 1,000 to 3,000 KRW.

#16: FACE CARICATURES

Finally, capture the fun and whimsy of Korea with a face caricature. This entertaining experience allows you to transform your features into a playful work of art. This is perfect for a memorable souvenir or a gift for a loved one. Experience it for about 30,000 to 50,000 KRW via Klook app.

With so much to explore and so little time, these are just a few of the things I can’t wait to try. Which ones will you purchase? Feel free to comment below.

Image Credits: facebook.com/ittsfarahh

Sources: 1,2, 3, & 4

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