7 Simple Yet Memorable Mother’s Day Activities

With the stricter COVID-19 measures in place, our typical Mother’s Day celebration may not be a viable option this year. Despite this, there are still plenty of ways to make your Mother’s Day special. After all, the best gift that you can give your mother is quality time.

What are you waiting for? Gather your loved ones to honor your Mother with these simple ideas!

#1: HOST A VIRTUAL GAME NIGHT

According to the Ministry of Health (MOH), people in Singapore are allowed to gather in groups of five and are allowed to receive five distinct visitors per day. Instead of inviting your beloved aunts and grandmothers tomorrow (May 9), consider hosting a virtual game night. Use websites such as My Free Bingo Cards and Lagged to play with your mother and your whole family.

#2: CREATE A PAMPER SESSION

Shower your mother with affection by scheduling a pamper session. Start by letting her sleep in. It may sound simple, but you are starting someone’s day on the right note. Ensure that you are keeping the room quiet and dark as she sleeps.

When she wakes up, surprise her with homecooked breakfast. Offer to refill her mug when she finishes her coffee. Preparing her breakfast will let her fully enjoy her downtime.

#3: PLAY A SCAVENGER HUNT

Take the entire family on an adventure by playing a scavenger hunt at home. Hide her favorite things such as a family portrait or her favorite sweater. Children may participate in this activity by hiding sweet notes within the space. This will help your mother collect wonderful moments throughout the day.

Image Credits: unsplash.com

#4: SING YOUR HEARTS OUT

If your mother loves to sing, you can plan a Karaoke Night at home. It is alright if you do not have your own Karaoke system. You can just download free apps or search for sing-along videos on YouTube. Do not forget to prepare your mother’s favorite cocktails and snacks too!

#5: SPRUCE UP YOUR GARDEN

Much like many of you, my mother is fond of growing her own indoor garden. She is always enthusiastic whenever someone purchases a new plant for her. Get the whole family involved by planting seeds or by redecorating your mother’s garden.

Some flowers, such as marigolds, are fairly easy to maintain. In fact, marigolds are tolerant of heat and pests. Planting this will serve as a gift that keeps on giving!

#6: MAKE A SCRAPBOOK

Encapsulate your happy memories by making a scrapbook with your mother. Print photos from your phone or collect your favorite photographs from your old photo albums. You and your mother can work on your own scrapbook pages and bind these pages together when you are done.

#7: ENJOY A DO-IT-YOURSELF PIZZA PARTY

What better way to end the day than by making your own pizza? It is both an art and a science. You can either make your own pizza dough or purchase a pizza kit for as low as S$20.

Image Credits: unsplash.com

Ultimately, it is a nice experience to add your favorite toppings on a pizza that you made yourself. Mommy gets first pick, of course.

From all of us at Money Digest, may you have a delightful Mother’s Day (May 9) celebration!

Read More...

Do these things to bring down your cost of living

a man holding on to his car key

The term “cost of living” can be translated as the money needed to uphold our current lifestyle habits.

When finances are on a stretch, lowering the cost of living can weigh heavily on our minds. If you’re ready to hit the pause button on your spendings or make lifestyle changes because of a recent job loss or pay cut, that’s not impossible.

Try doing these things to bring down your cost of living.

Move to a smaller home

Downgrading can be a powerful punch in the face for the prideful. But when it comes to finances, it’s a massive boost for maintenance. Take a good look at your money matters right now and decide if it makes sense for you to downsize. Remember that selling your property takes time, so plan ahead and get started early.

But sometimes, selling your home can be made secondary by getting rid of your car instead. With most of us shifting back to working from home, maybe you don’t really need a vehicle to add to your existing financial burdens?

Rent out rooms
a room with a double bed

Image Credits: ohmyhome.com

For peeps who are not so keen on selling their house, see if you can empty a room or two to rent out. This presents a quick solution to bring in extra cash every month, on top of your salary.

Alternatively, you can also choose to downsize and then rent out a small room for someone to occupy temporarily. But this method might only be suitable for people who don’t mind sharing their living spaces with an outsider. Be sure to discuss thoroughly with your family members beforehand.

Minimise your energy consumption

Your current electricity appliances can be the culprit contributing to your steep monthly bills. Check to see if they are energy-efficient and make the switch if they aren’t. Since they are products you use for a long time to come, be sure to do your research and ask the salesperson about the specs before buying.

Another factor to consider is your air-conditioner. Yes, we get how Singapore’s weather is so humid and unbearable at times, but if you want to bring down your cost of living significantly, learn how to embrace the warmness. Can’t seem to give up on that? Use the timer setting to work your way around it when you hit the sack.

Rework your budget
budgeting with a calculator

Image Credits: procurementexpress.com

As we approach mid-year, maybe it’s time that you take a look at the budget you’ve drawn at the start of 2021. Changes are inevitable, and it’s okay to replan your spreadsheet to accommodate your income changes.

Study the spendings closely you have each month and maybe let go of a few inactive subscriptions. Examine if you genuinely require multiple content streaming services, or you could just do with one for the time being.

Singapore is undoubtedly a city with a high cost of living and seems to rise a little more each year. Unless you’re planning to move to another country with a lower cost of living, consider the above strategies to cut your money outputs.

Read More...

You can now send money to Thailand instantly via PayNow

PayNow to Thailand main banner

The pandemic has seen a fluctuating curve in terms of recovery, and no one knows exactly when we can cross borders to visit our loved ones overseas.

Financially, it can be worrying too. Thanks to Singapore’s PayNow and Thailand’s PromptPay partnership, users can now transfer funds up to S$1,000 or THB25,000 daily across the two countries. All you need is just a mobile number.

Real-time payment systems linkage

The Monetary Authority of Singapore (MAS) and the Bank of Thailand (BOT) shared that the transfers will be done in just minutes. This presents a much faster solution when compared to other cross-border remittance solutions.

Those who’ve sent money overseas before know that it takes up to two working days to complete a typical transfer process.

On our sunny island, the participating banks are the big names we know – DBS, UOB, and OCBC. In Thailand, there are four financial institutions – Bangkok Bank, Kasikornbank, Krung Thai Bank, and The Siam Commercial Bank.

What are the fees?
a woman holding onto an iPhone

Image Credits: unsplash.com

Convenience comes with a price to pay. But the MAS and BOT noted that the fees would be transparent and affordably priced. In addition, users will know the exact figure before proceeding with the transfers.

“Senders will also be able to view the applicable foreign exchange charges prior to sending their funds, with these rates benchmarked closely to prevailing market rates,” the central banks said.

ASEAN Payment Connectivity

As part of the ASEAN Payment Connectivity initiation two years ago, the PayNow-PromptPay collaboration has come into effect. This is in line with the overall aim to bring about more robust cross-border payment arrangements.

MAS managing director Ravi Menon mentioned that the PayNow-PromptPay linkage is only the beginning. Plans are in place to scale the system to involve other participants and even business transactions.

“MAS’ shared objective with BOT is to work with our ASEAN counterparts to expand this bilateral linkage into a network of linked retail payment systems across ASEAN,” Menon commented.

To that, UOB chief executive officer Wee Ee Cheong added that the PayNow-PromptPay linkage is a stepping stone to connect payment systems across ASEAN as we progress. This means that possibly more customers can transfer funds to their counterparts easily. They can also pay for goods and services within a few taps or clicks conveniently.

In fact, Thailand is already a step ahead with QR cross-border payment arrangements with other countries. This includes Laos, Japan, Vietnam, and Cambodia.

“This service by the MAS and the BOT will effectively address customers’ long standing pain points in the area of cross-border transfers and remittances including long transaction times and high costs,” said BOT governor Sethaput Suthiwartnarueput.

Not using PayNow? You might want to visit abs.org.sg/consumer-banking/pay-now for more information.

paynow-promptpay-linkage-infographic

Read More...

Things You Need to Know about Home Broadband

What is home broadband?

Broadband is a high-speed communication system that allows you to enjoy all things that the online world offers. Home broadband, therefore, means the communication system whereby all computers in your home are linked to the internet. Home broadband provides you with a quick internal network around the house.

How do I get home broadband?

All you need to do to enjoy using home broadband is hire an ISP (an internet service provider) who will supply the necessary equipment and supplies to get your home online. Most internet service providers offer their services through a fixed line, either in fiber or ADSL, referred to as copper. The main difference between these two lines is the kind of wire through which the internet passes. It is important to compare the deals and prices of different ISPs in Singapore. Hire the services of an ISP who offers the best deals at reasonable prices.

What are the benefits of having home broadband?

With home broadband, you can gain access to whatever you want from the internet. This kind of internet connection is more reliable and faster compared to the dial-up system. You can send and receive data faster, browse the web more easily, send and receive emails faster, and take a short time to download files. You can do other things using home broadband, including streaming videos and music and perform online banking, among other things. Home broadband also comes with increased security because outsiders will not gain access to it. The system is also more convenient in that you can access the internet whenever you wish.

What do I require to use home broadband?

You will require software to help you access online services such as laptops, desktop computers, smartphones, games, or tablets. An ISP will have the service enabled. He or she will also post a broadband router and other necessary equipment. After enabling your broadband, you will only have to connect the router to the broadband after powering it, and you will be ready to go.

Read More...

6 Ways To Rekindle Your Love For Work

In these uncertain times, waking up and going to work is an achievement on its own. We have gone through a lot and we continue to adapt to our dynamic environment. Much like your personal life, your professional life is a work in progress.

When you start a job, it is all new and exciting. Do not get me started with the honeymoon phase! As time passes by, the job that once seemed so flawless may lose its luster. You may become complacent or disinterested without even noticing it. Before you call it quits, give yourself the opportunity to reconnect with your current job.

#1: FIND THE ROOT OF THE PROBLEM

If you find it challenging to drag yourself out of the bed for work every morning, the first step is to admit that your motivation to go to work is slowly dwindling. You are not as passionate as you used to be. Similarly, you may want to know the root cause of having unpleasant days at work. That said, this is nothing to be ashamed of! There are many factors that can affect your feelings such as the significant changes brought by the COVID-19 restrictions.

Instead of lamenting over it on your Twitter or Facebook feed, sit down and reflect. What are the possible causes of the issues you have at work? You must first examine the things contributing to what you are feeling in order to change for the better. Once the root of the problem is clear, you can start making small changes in your personal workspace and within yourself.

#2: PERSONALIZE YOUR WORKSPACE

Whether you are staying on a partially enclosed office workspace (i.e., a cubicle) or sitting in your home office, filling your workspace with special items can help boost your mood. Gather your favorite souvenirs, your favorite family photographs, your favorite indoor plants, or anything that sparks joy into your life. In those moments when you are feeling down and frustrated, being surrounded by things you love can help lift your spirits.

Do your best to make your personal workspace comfortable. If permitted, you may even collaborate with your colleagues to decorate the communal areas of your office. Fill it with items that everyone enjoys.

#3: LEARN NEW THINGS

Learning does not stop in school! You can broaden your knowledge and skills to ignite the curiosity from within. Sometimes, people feel frustrated at work because they lack certain skills that are necessary to succeed. On the other hand, you may be well-versed at your current job and still lack the knowledge to take on a desired new role. Not knowing how to approach an obstacle at work can affect your motivation levels.

The best way to tackle this roadblock is to invest in continuing education and to update your skills. Talk to your boss about the available trainings or certifications that will benefit you and the organization. Does the company offer in-house training? If not, you can search for online training programs that interest you. Look for online courses, in-person workshops, international conferences, and other training programs.

#4: PRACTICE GRATITUDE

One of the profound ways to reframe your relationship with your work is to identify all the good things about it. Practicing gratitude may seem hard at first, because you must see through the unpleasant circumstance and recognize the positivity. However, you have to realize that what you focus on – grows.

The good things are there, you just have to keep digging deep. For example, you appreciate your respectful supervisor, or you simply value the paycheck that keeps a roof over your head. What made you fall in love with the position in the first place? Go back to that moment. Writing down all the positive aspects of your job can remind you that these things exist. Use its positive energy to keep you going.

#5: MIX THINGS UP

“Habits can save us time, but they can also make us feel stagnant,” said Helen Godfrey of The Authentic Path.

Thinking outside the box or doing things beyond your usual routine can help you approach the day in a different light. If you always eat lunch in the same place, consider ordering food from a different store. If you rarely leave your desk, try taking a 5-minute exercise break. Approach tasks through new lenses to help you shake things up. Perhaps, a little variety or a change in perspective is what you need to refresh your relationship with work.

#6: TALK TO SOMEONE YOU TRUST

As we search for the elusive “perfect job”, we often lose sight of the good things in our current position. It is easy to get stuck in a loop of negativity and internalize frustrations during difficult times. Acknowledging that frustration exists can prevent it from being bottled up. Talking to someone who understands where you are coming from can help.

Image Credits: unsplash.com

You can approach a mentor, a peer, a friend, a family member, or significant other. Your trusted confidant can offer a different perspective or a shoulder to lean on. It helps to pause and reflect.

Sources: 1, 2, & 3

Read More...