MoneyDigest - Personal Finance, Lifestyle, Money Saving Tips

4 Ways To Get Cheap And Affordable Spa Facial Services In Singapore

1. ENJOY AN AWARD-WINNING CUSTOMISED 90-MINS FACIAL AT $88

Looking for good facial treatment in Singapore? My Cozy Room, an award-winning luxury boutique spa near Orchard Road, is offering their highly-raved facial treatment for just $88 (U.P. $188) if you are a first-time customer residing in Singapore.

Known for their best Extraction Facial in Singapore, you can expect relatively painless extraction to treat acne clogged pores, blackheads and pimples. They have certified professional therapists with years of experience in treating customers skin problems on-site, so you’re definitely in good hands.

What are you waiting for? Take a break from the daily grind and indulge in this ultimate luxury session at the trial price of just $88!

For more information, click here to register for interest.

2. GO CRAZY FOR FAVE DEALS

Fave is probably my all time favorite shopping companion. Used by many Singaporeans, MYFAVE.COM is a website that offers discounted deals on events, luxury goods, bags, watches, beauty products, lifestyle services, and getaways. I recommend going for these current deals below that range for only S$18-48.

3. LOOK FOR FACIALS UNDER S$100

You do not need to break the bank to get quality spa treatment. Do not worry about spending a hefty amount of money as most of these place do not require you to buy packages. Although, you have to book in advance to guarantee your spot.

a. SG FACE

With more than a decade of beauty therapy experience, Michelle Foong of SG Face relies on the trusted power of recommendations. While their services are affordable, German brand Babor is used in the treatments. Try the 60-minute Deep Cleansing Facial for S$48 (first trial only) or the 90-minute Hydration Facial for S$70 (first trial only).

b. FLARE WELLNESS

For the organic-junkies, you will love the Flare Wellness beauty salon. According to their website, they have an ongoing promotion for the “Organic Refresh Vitamin C Facial” for S$98. It is a brightening, firming, lifting, and anti-ageing treatment that refreshes your face immediately. Also, it includes a complimentary foot massage!

c. CHEZ MOI DE BEAUTE

Chez Moi de Beaute uses another German brand called Phyris. What separates it from the most is their friendly and experienced staff that explain each step so you will not get surprised with all the sensations. Currently, they have a promotion on the “Mix & Match Facial” and the “Mix & Match Power Facial” that is valid until 30th April.

Mix & Match Facial for S$48, tailors the treatment for your skin’s needs. While the Mix & Match Power Facial for S$68, allows the therapist to choose from 6 serums to treat your skin concerns. You will get the most out of your dollar as these treatments last for 75 minutes.

4. LASTLY, SELF-SERVICE

If your budget for a spa-quality facial is less than S$20 then, try the magical services provided by you! Forget spending time and money at your local spa as you can pamper yourself with homemade facial masks. May this simple guide help you to get started.

Image Credits: pixabay.com (CC0 Public Domain)

Sources: 1 & 2

Unhealthy Personal Finance Habits That You Need To Stop

According to Dictionary.com, a habit is an acquired behavior pattern that is regularly followed until it has become almost involuntary. Since habits are done over and over again, it feels safe and normal to do it. However, some habits sabotage your financial health whether you are aware of it or not.

As “old habits die hard”, it takes patience, motivation, and effort to break these money habits:

1. NOT STICKING TO LESS CREDIT CARDS

When you are using more than two credit cards, you are allowing yourself to be financially vulnerable. It is not only harder to keep track of your spending but you will also owe more than you expected. Instead, stick to at least two credit cards that have minimal annual fee and a good rebates program.

2. NOT KEEPING TRACK OF YOUR SPENDING

Many of you do not keep track of your spending as you deem it to be time-consuming or unnecessary. However, making money management an habitual regimen is essential for every working adult.

You do not to adapt an extravagant lifestyle or earn millions to start a financial plan. Simply keep track of your daily spending and examine it every month. Then, accurately plan to meet your spending and saving goals.

3. NOT PAYING YOUR CREDIT CARD DEBT

Aside from splurging your money, another unhealthy habit that you have to stop is not paying off your credit card. The bad credit decisions you made while you were younger can haunt you in the future. For example, it can affect whether or not you are able to get a loan to buy a car.

So you must stay organized to keep up with your payments. Set aside some time in the beginning of the month to make a list of the bills you are expecting to receive. Put it on your working desk or create a file for it. This way, you will not pay a bill twice even if you received it simultaneously by e-mail and postal mail.

Alternatively, you can get your payments automated. Since you are prepared for the bills earlier on, you may have available money in the bank to pay it the same day as you received it.

4. NOT INVESTING

If you have a habit of ignoring investment opportunities due to the irrational fear of losing everything then, you cannot reach your fullest potential. If you are too conservative, you can still invest and grow a small amount of money! Just seek out the help of financial advisers or financial professionals first. This way, you can sit back and watch your money grow through time.

Image Credits: pixabay.com (CC0 Public Domain)

Sources: 1 & 2

Infographic: What is Causing Low Oil Prices?

Remember when oil was over USD100 per barrel?

Due to a combination of demand and supply factors, prices crashed below USD30 per barrel in 2016 and is still about 45% below its 2015 peak.

What caused the oil rout, and what opportunities are there in this low oil price environment?

We’ve gathered the key facts that every investor ought to know:

Want to find out more? Watch our video which explains the oil rout in detail and read our research reports for coverage of each sector and how they are impacted by oil prices.

4 Amazing Ways To Save Big On Your Kid’s Birthday Party

1. START WITH THE INVITES

If your budget does not allow you to invite your child’s entire class, then you do not have to. Instead, you can opt for the “age plus one rule”. For instance, if you are planning to throw a party for your 5-year-old, then invite 6 guests. Keep the numbers down by making it clear that the guests’ siblings are not invited.

Aside from that, you can forgo printing services by sending out electronic invitations through Facebook or Email. This works just as fine!

2. SAVE ON THE VENUE

If your home does not have enough space, parties can be hosted at the local park or playground.

For a playground venue that kids will surely love, go to Tiong Bahru Adventure Playground. Tiong Bahru Adventure Playground’s center has a train-themed structure that is perfect for your boy’s Thomas the Tank party. There is also a little maze and a merry-go-round.

For a park venue, consider having it at East Coast Park as its wide open spaces is suitable for energetic party games and active guests. While parks are generally free, if you are planning an organized party, some parks do require permission to be given ahead of time.

3. D-I-Y YOUR PARTY BAGS

A children’s party will not be complete without the party goodie or loot bag. Assemble your own loot bag by purchasing S$2 brown or white paper bags from Daiso and decorating it with colored markers. Put a multitude of sweets and stickers that are also available at Daiso, for the same price.

4. TRY THESE PARTY THEMES

There are two exciting yet affordable party themes that you must try, namely: Circle Party and Indoor Games Party. The circle party is ideal for children aged 2-4. You start by decorating the place with all things circle such as balls, balloons, polka dots, and candies. Then, keep the activities simple such as running while forming a circle.

For children beyond age 5, you can entertain them with a party that is filled with board games, cards, and puzzles.

Image Credits: pixabay.com (CC0 Public Domain)

If you need to purchase a board game, you may check out Toys “R” Us. Toys “R” Us provides huge selection of toys and infant products that are priced to give you value for you money. Round up the guests and play the Disney Assorted Inlay Wood Puzzles (S$9.95), UNO® Disney Frozen Cards (S$11.90), or the Pavilion Giant Snakes & Ladders (S$19.95)!

Sources: 1, 2, & 3

Places To Find The Cheapest Parking Rates In Singapore (Most Are Free!)

1. IMM BUILDING

Eager to go on a shopping spree within your budget? Visit IMM! IMM is the largest outlet store in Singapore that boasts with 80 stores offering discounts of up to 80% all year round. Parking here is free for the first two hours and the first entry. Charges for subsequent time are S$0.30/15 minutes and S$1.07/hour. These rates apply from Monday to Sunday including Public Holidays.

Location: 2 Jurong East Street 21, Singapore 609601

2. MUSTAFA CENTRE

Open for 24 hours, Mustafa Centre is heavily popular in the shopping scene. From inexpensive groceries to affordable jewelry. You name it – they have it! In the management’s effort to improve your experience, they are giving away free parking for the first hour daily. Every subsequent 30 minutes or part thereof is charged with S$1.

Be prepared with at least S$2 as you might get drowned with all of Mustafa’s choices!

Location: 145 Syed Alwi Road, Singapore 207704

3. WEST COAST PARK

If you are hoping to de-stress from the city’s work life, grab a bicycle or a kite and retreat at West Coast Park. It is basically East Coast Park’s less crowded counterpart.

Best of all? The parking at Carparks 2 and 3 are free daily!

Location: West Coast Park, West Coast Highway, Singapore

4. CITY SQUARE MALL

City Square Mall, Singapore’s first eco-mall, is at close proximity to Farrer Park MRT station. Aside from its environmentally friendly features and array of food selections, customers can enjoy their free parking deals (details here).

Otherwise, you will have to pay the following rates:

Monday to Friday (except Public Holiday)
$1.40 for the first hour
$0.70 for every subsequent 30 minutes
$3.00 per entry

Saturday, Sunday & Public Holiday
$1.40 for the first hour
$0.70 for every subsequent 30 minutes
$3.50 per entry

Motorcycle Parking
$2.00 per entry (whole day)

Location: 180 Kitchener Rd, Singapore 208539

5. IKEA ALEXANDRA

IKEA Alexandra Singapore offers free parking for the first three hours for both IKEA FAMILY and Non-IKEA FAMILY members (T&Cs apply). IKEA FAMILY members can avail the free parking with a minimum spending of S$5 on home furnishing products. Non-members can enjoy the same privilege by spending a minimum of S$15 on home furnishing products. Nonetheless, you will be charged with S$1.50/30 minutes.

Location: 317 Alexandra Rd, Singapore 159965

Image Credits: pixabay.com (CC0 Public Domain)

Sources: 1, 2, 3, & 4

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