MoneyDigest - Personal Finance, Lifestyle, Money Saving Tips

10 Morning Habits for Maximum Productivity & Financial Gains

Singaporeans are known for their relentless drive, balancing demanding careers and personal commitments. A well-structured morning routine can boost productivity and financial success. Here’s how to start your day right.

#1: WAKE UP EARLY

The early bird catches the worm. Many successful people rise before 6 AM to maximize their mornings. Quiet early hours are perfect for planning and reflection, setting a positive tone for the day.

TIP: Gradually adjust your wake-up time by 15-minute increments to make the transition smoother.

#2: HYDRATE & REFRESH

Start your day with a glass of water to kickstart your metabolism. A splash of cold water on your face or a refreshing shower can invigorate you.

TIP: Add a slice of lemon to your water for a vitamin C boost and improved digestion.

#3: GET PHYSICAL

Physical activity increases energy levels and improves focus. Whether it’s a brisk walk, a gym session, or yoga stretches, exercise releases endorphins that keep you positive and energized.

TIP: Try HIIT (High-Intensity Interval Training) workouts if you’re short on time but want maximum results. Or, try a workout at Jewel @ Changi Airport for a view.

#4: EAT A HEALTHY BREAKFAST

Fuel your body with a nutritious breakfast. Opt for a balanced meal with protein, healthy fats, and complex carbohydrates. Try oatmeal with fruits and nuts, a green smoothie, or eggs with whole-grain toast.

TIP: Prepare your breakfast the night before to save time in the morning.

Image Credits: unsplash.com

#5: TRY MINDFULNESS OR MEDITATION

Take a few minutes to practice mindfulness or meditation to reduce stress and increase focus. Apps like Headspace or Calm can guide you through short, effective sessions.

TIP: Spend 5-10 minutes in a quiet space, focusing on your breath and clearing your mind.

#6: PLAN YOUR DAY

Review your goals and tasks for the day. Prioritize your to-do list and break down larger tasks into manageable steps. This boosts productivity and keeps you organized.

TIP: Use productivity tools like Trello to keep track of your tasks and deadlines. Alternatively, keep it old-school by writing in a journal (I prefer this).

#7: REVIEW FINANCES

Dedicate a few minutes each morning to review your financial goals and status. Check your bank accounts, review your spending, and ensure you’re on track with your savings and investments.

TIP: Set up automatic transfers to your savings or investment accounts to ensure consistent contributions.

#8: LIFELONG LEARNING

Incorporate personal development into your morning routine. Read a book, listen to a podcast, or take an online course. Continuous learning opens up new opportunities and improves your skill set.

TIP: Choose content that aligns with your career goals or personal interests to stay engaged and motivated.

#9: HAVE POSITIVE AFFIRMATIONS

Start your day with positive affirmations. This boosts self-confidence and sets a positive tone for the day. Affirmations like “I am capable of achieving my goals” or “I am confident and successful” can have a powerful impact on your mindset.

TIP: Write down your affirmations and place them where you can see them every morning, such as on your bathroom mirror or next to your bed.

#10: CONNECT WITH LOVED ONES

Spend a few moments connecting with family or loved ones. This can be a fun game session or a quick chat over breakfast. Strong relationships contribute to your well-being and provide a support system.

TIP: Schedule a weekly breakfast date with a family member or friend to strengthen your bond and start your day on a positive note.

Image Credits: unsplash.com

IN A NUTSHELL

A well-crafted morning routine can set the stage for a productive and financially successful day. Start small, and gradually build a routine that works best for you.

Here’s to a more productive and financially rewarding life, one morning at a time!

This new “VibeVault” K-beauty box worth $225+ is yours to bag home at just $67+

The “VibeVault” K-beauty box is a July collection packed with $225+ worth of must-have Korean skincare and makeup products.

And here’s the best part: it’s all yours for just $67+.

Yes, you read that right.

This incredible deal brings you a selection of premium K-beauty items at a fraction of the cost, making it a steal for beauty enthusiasts.

Here’s what you get:

FULL SIZE

Purito Wonder Releaf Centella Serum Unscented 60ml

Purito’s Wonder Releaf Centella Serum is a wonder for your skin, an unscented serum that contains Korean Centella Asiatica, a calming herb with soothing properties that effectively relieve redness and discomfort.

Peptides work to enhance elasticity, promoting firmer skin for a radiant glow.

Just a few pumps massaged into cleansed skin deliver a surge of hydration, leaving you with a complexion that’s calm and glowing from within.

Abib Airy Sunstick Smoothing Bar SPF50+

Glide on this airy, semi-matte Abib Sunstick for reef-safe protection against UV rays no matter how much you sweat or splash in the water.

Packed with nourishing camellia and sunflower seed oils, this wide 5.7 cm stick covers any skin surface without a trace of white cast or sticky residue.

Lightweight and breathable, it’s great for active days in the sun, delivering a flawless finish that never feels heavy or greasy.

Toss it in your beach bag, gym bag, or carry-on for a sun-safe glow that lasts from dawn ’til dusk.

Dewytree AC CTRL EX Deep Green Calming Pad (60Pads Special Set) (+20 Pads)

This Dewytree AC CTRL EX Deep Green Calming Pad is your ticket to a calmer complexion with no irritation.

Infused with Dewytree’s signature Cica Mint™ blend, it gently yet effectively removes dead skin cells while delivering a cooling sensation.

Tested for skin irritation and formulated with a mild prescription, this pad is your weapon against redness and all-around skin stress.

Just one pad is all it takes to revive your sensitive skin.

Treat your face to this green goddess of a pad today!

espoir Fresh Setting Fixer 100ml

Want makeup that lasts as long as your night out?

Consider it done with espoir’s Fresh Setting Fixer, a vegan-friendly mist that uses a thin polymer formula to lock in your look, so your flawless face stays that way from the first sip to the last dance.

Hyaluronic acid and vitamin E nourish skin, preventing dryness and keeping you dewy-fresh.

Just a few spritzes from 20 to 30 cm away, and you’re good to glow all night.

No need for mid-party touch-ups as this fixer has your back (and your makeup) for the long haul.

peripera Oil Capture Cooling Powder

Forget powders that leave you cakey and dry because this oil-controlling formula hydrates and refreshes.

Thanks to a cooling “water in powder” formulation, peripera’s Oil Capture Cooling Powder delivers a blurring, matte-yet-glowy finish that keeps sebum under control.

Sweaty summer shininess? Not a chance.

Rather, say hello to an even complexion!

The lightweight powder also provides a burst of cooling to instantly relieve overheated skin, clinically shown to lower surface temperature.

It’s basically an AC unit for your face 😛

iUNIK Calendula Complete Cleansing Oil 200ml

Cleansing should be a pleasure, not a chore.

That’s why the iUNIK Calendula Complete Cleansing Oil is your new daily skincare MVP.

This plant-based formula uses a 10% calendula flower extract blend to whisk away heavy makeup, dirt, and impurities.

Simply pump a couple of times into your hands, massage onto dry skin, and rinse (no water required).

The result is soft, balanced, and refreshed skin.

Formulated with only EWG green-grade ingredients, this cleansing oil is both clean and effective.

Treat your complexion to a spa-worthy cleanse, morning and night.

SOME BY MI Real Tea Tree Calming Care Mask Sheet 1P

Stressed skin, meet your new BFF, the SOME BY MI sheet mask.

It is a calming sheet for complexions in need of a reset.

Crafted with 100% plant-based cellulose that’s biodegradable, the sheet is saturated with an essence packed with a skin-loving tea tree.

This natural ingredient works to protect, while the generous amount of essence ensures every inch of your face, neck, and collarbone gets the treatment it deserves.

Vegan-certified and free from harsh chemicals, this mask is THE self-care ritual for skin that’s feeling a little too much.

FREE GIFT SAMPLES

SOME BY MI V10 Hyal Hydra Capsule Sunscreen 5ml

SOME BY MI V10 Hyal Hydra Capsule Sunscreen is a triple-threat wonder that blocks UV rays, brightens, and keeps wrinkles at bay.

Powered by an SPF 50+ PA++++ formula, it shields your complexion from damaging light while nourishing it with a bounty of hyaluronic acids and skin-loving vitamins.

It provides a moisturizing, cooling glow without any pesky white cast.

Reef-safe and made for all skin types, this sunscreen is your ticket to a protected complexion no matter how intense the sun gets.

Beauty of Joseon Ginseng Essence Water 40ml

Last but not least, quench your skin’s thirst with the Beauty of Joseon Ginseng Essence Water.

This plant-based toner is a powerhouse of hydration, packed with Panax Ginseng Root Water and Ginseng Complex Extract to deeply moisturize.

But don’t let its gentle formula fool you because it also packs a punch with Niacinamide and Adenosine to brighten and smooth.

And thanks to saponin, it helps prevent UV damage and premature aging.

Formulated with only EWG green-grade ingredients, this essence water lets you bid bye-bye to dull, dehydrated skin.

Get Olive Young’s BEAUTY BOX JULY (VibeVault Box) at $67+ here.

Is engaging a personal trainer worth it for you, a total gym newbie?

So you’ve just joined the gym for the first time?

You’re excited to get in shape but also quite overwhelmed as all that gym equipment looks intimidating and you have no idea how to use any of it properly.

Should you throw some money at a personal trainer to show you the ropes?

Let’s delve deeper.

Benefits of hiring a personal trainer

Expert guidance and personalization

As a total gym newbie, having an expert by your side can be reassuring.

No more guessing which exercises to do or how to execute them properly because your trainer will guide you through each movement and machine, ensuring you maintain proper form.

This maximizes the effectiveness of your workouts and also helps prevent potential injuries.

Motivation and accountability

Having a personal trainer in your corner means you will have a dedicated partner holding you accountable and pushing you to give your all during every session.

With regular check-ins and progress tracking, your trainer can help you stay focused and on track toward achieving your fitness goals.

Efficient and safe workouts

Time is precious, and you want to ensure every minute spent at the gym counts.

A personal trainer understands how to maximize your workout time, keeping you moving efficiently from one exercise to the next.

More importantly, they prioritize your safety.

The last thing you want is a setback from an avoidable injury.

Potential drawbacks of hiring a personal trainer

Cost considerations

You don’t need me to tell you this:

Personal training sessions are expensive.

Typical pricing can range from $50 to $150/hour, depending on the trainer’s experience and location.

Many trainers offer package deals that can bring down the per-session cost, but it’s still quite an investment so before committing, shop around and compare pricing.

Over-reliance on the trainer

To cut the long story short, be wary of trainers who seem more interested in keeping you as a client indefinitely rather than helping you achieve self-sufficiency.

Finding the right fit

Another potential drawback is the challenge of finding a trainer who is truly compatible with your personality and learning style.

A mismatch in these areas can lead to frustration so don’t be afraid to “trial” potential trainers before you sign a package.

Do you need a personal trainer?

a male personal trainer guiding a female

Image Credits: unsplash.com

Evaluate your goals

Are you aiming for short-term results like losing a few kgs for an upcoming event?

Or are you seeking long-term lifestyle changes?

Identifying specific goals, such as building muscle or improving flexibility, will help you determine if a personal trainer can provide the guidance you need.

Consider your motivation levels

If you tend to lose motivation quickly or struggle with consistency, investing in a trainer could be the extra push you need.

Weigh the investment

Consider your budget.

If you’re uncertain about making a long-term commitment, start with a few sessions to see if it’s a good fit.

Many trainers offer package deals or discounted rates for purchasing multiple sessions upfront, so ask away.

Alternatives to personal trainers

Online resources & apps

Having YouTube is like having a virtual personal trainer in your pocket!

Just search for routines geared towards beginners and you will get a good amount of endless tutorials.

Follow along at home first if you’re nervous about executing complex moves properly at the gym.

Gym staff guidance

Lastly, don’t overlook the staff at your gym either.

You can ask staffers on how to safely use those machines.

Even if it’s a quick demo, their expertise can point you in the right direction.

And most are usually happy to keep an eye on you during future visits.

So is hiring a personal trainer right for you as a gym newbie? The answer depends on YOU. For most beginners, having an expert guide you through proper form and create a tailored program provides value. If it fits in your budget, go for it! But even if you can’t engage a trainer, ask YouTube or the gym staff to show you how to use the equipment so you can start somewhere. Walk through those gym doors and keep at it!

Latest WFH internships posted from 1 to 4 July 2024

A warm welcome to the second half of 2024.

Hope you’ve had a wonderful start to the month of July too.

If you’re looking for the hottest WFH internship positions, we might be of help to you with opportunities in AI / machine learning and more this week.

Keep reading!

#1: The Sandbox – Business Intern

Website: sandbox.game

Allowance / Remuneration: $400 – 1,000 monthly

Job Qualifications

Not specified.

Key Responsibilities

Event Management: Assist in the end-to-end planning and execution of virtual and physical events. This includes venue selection, vendor management, attendee engagement strategies, and post-event analysis.
Business Development: Support the team in identifying and evaluating new business opportunities, market research, partnership outreach, and the development of pitch materials.
Marketing: Contribute to the creation and implementation of marketing strategies, including digital marketing campaigns, social media management, content creation, and analytics review to measure effectiveness.
Collaboration: Work closely with internal teams and external partners to ensure cohesive execution of projects and events.
Innovation: Continuously propose innovative ideas to expand The Sandbox’s reach.