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Irrational Financial Beliefs That Most People Have

Let me start by defining what irrationality and irrational beliefs are. Irrationality is thinking or acting through emotional distress, insufficient use of reason, or cognitive deficiency. Thus irrational beliefs are the baseless opinions, attitudes, and values you possess that are beyond what the world really is. Particularly, your irrational beliefs about money shape how you spend.

Start by recognizing your irrationality with the 4 Irrational Financial Beliefs That Most People Have…

1. MONEY CAN BUY ME LOVE AND ATTENTION

If you believe that you can gain the affection and attention of others by earning enough money then, you are on the wrong track! Even if you are the shiniest dollar in the bank, you can’t please everybody.

When you put earning money as your top priority instead of valuing your family and friends, your self-worth will shrink once you lose your wealth. It is better to focus on the things that you can control – loving yourself and paying attention to others.

2. YOU CAN NEVER HAVE ENOUGH MONEY

Irrationality happens when you are not dealing with the truth of what really is and what you would like it to be. Your high expectations affect what you consider as “enough” money. Most people tend to accumulate debt by trying to reach this point of “enough”.

Instead of believing in this irrationality, live within your means by fulfilling your needs. Begin with the basic needs such as survival and security. Then allocate a portion of your money for your wants. Reach the lifestyle you desire by smart money management and not by debt.

3. MONEY CAN BUY HAPPINESS

I am sure you know people who believe that money is the quintessential source of their happiness. However, according to the words of Dr. Kathleen Gurney (CEO of Financial Psychology Corporation): “It’s not money that makes you happy…it’s how you use it.”

Studies show that you will get more satisfaction if you spend your cash towards memorable experiences such as vacations than towards material things such as a new table. Likewise, lending out possessions can help you enjoy the material things that your money bought.

4. MANAGING YOUR FINANCES TAKES LITTLE EFFORT

If you are one of those people who merely go by what the bank says and do cannot seem to organize your financial affairs then, you might be in trouble. Your bills and loans will not just go away on its own! It takes valued time and consistent effort to get your finances straight. Avoiding your responsibilities may make you happier in the short run but it will haunt you long after. So invest on real commitments and pay attention to details. If you are married, it is good to consult your spouse for all things related to money.

Image Credits: Chi King via Flickr

Sources: 1, 2, 3

Places To Find The Cheapest Gym Memberships In Singapore

Singapore is no stranger to expensive fitness center costs! And let us face it, most of you will not even use your membership perks to its fullest! With gym membership fees shooting up to S$2000 per year, one may wonder where the best rates are.

Fortunately for you, this list has you covered!

1. GYMM BOXX

GYMM BOXX is every gym-junkie’s dream as it has a wide array of premium equipment, a helpful staff, and a clean environment. What makes this place stand out is its “popular gym chain” facilities at affordable membership rates.

The standard membership rates are as follows:

a. Senior Membership ranges from S$90-240
b. Youth Membership ranges from S$120-360
c. Standard Membership ranges from S$150-480

If you do not want to commit just yet, you can pay per every entry for as low as S$3!

2. ACTIVESG GYM

Known for offering individuals and communities with various lifestyle opportunities, ActiveSG promotes better living through sport. It is only necessary that they include gymnasiums to their repertoire. If you are able to wait for your turn and workout with the basic equipments then, this place is suitable for you.

Here are the rates of the MyActiveGYM scheme:

a. Adults (Off-Peak) S$15/month
b. Adults (Peak) S$30/month
c. Seniors and Students (Off-Peak) S$9/month
d. Seniors and Students (Peak) S$18/month

As an ActiveSG member under the MyActiveGYM scheme, you will be able to get unlimited gym access to all the ActiveGYM outlets islandwide.

3. YOUR WORKPLACE

If you are serious about getting in shape, consider looking for an employer or a company that offers gym memberships. For example, Siemens has their own gym at the Siemens Centre Singapore. It is adjacent to a lounge where employees can read newspapers or magazines and listen to relaxing music.

Image Credits: pixabay.com (CC0 Public Domain)

Nothing beats a workout that is FREE and is situated at your own convenience!

Sources: 1, 2, & 3

Genius Cleaning Hacks To Save You Money And Time

USE VINEGAR TO CLEAN THE BATHROOM

Your S$2-3 bottle of white vinegar have uses that are beyond the kitchen! To clean the toilet, pour a cup of distilled white vinegar into the bowl and let it stay there for 5 hours or overnight. Then, scrub it well and flush. To clean your tub and kill the germs, spray white vinegar around the tub. Then, wipe it with wet cloth to clean.

USE BLOW DRYER TO REMOVE WATER STAINS

Spills from your mugs, glasses, bottles, and cans can leave a whitened “ring” that can be easily visible on furniture. Before you replace or repaint some tables, a simple yet efficient shortcut is to use a blow dryer to clean it. Hold the blow dryer (high heat) close to the ring and see it disappear in a few minutes. Once it evaporates, add a small amount of olive oil to re-condition the wooden table.

USE A DRY TOWEL TO SPEED UP THE DRYER

To save money on electricity, you must reduce the amount of time it takes to dry your wet laundry load. Simply add a dry towel to your dryer with other wet clothes. This trick works because the dry towel absorbs the excess moisture around your dryer.

USE AN IRON TO ELIMINATE CARPET STAINS

To eliminate nasty carpet stains without professional help, clean it with white vinegar, iron, and water. Start by mixing 2 parts of water with 1 part of white vinegar in a spray bottle. Spray this solution on the stain. Then, iron the rag (steam setting) for about 30 seconds or more. This shall remove the stain as well as its unpleasant odor.

USE A DIRECTORY OF THE CLEANING SERVICES IN SINGAPORE

If all else fails, save time and effort by having a directory of the top cleaning services in Singapore.

a. NTUC Domestic Cleaning Service
Location: 75 Bras Basah Road, NTUC Income Centre, Singapore 189557
Contact: 6788 8788

b. House Cleaner Singapore
Location: 538 Bedok North Street 3 Singapore, Singapore 460538
Contact: 6844 3382

c. Home Cleanz Cleaning & Laundry Services
Location: 332 Changi Road, Singapore 419807
Contact: 6440 3342

d. Domestic One Cleaning Service
Location: 47 Hill Street, #06-06 Singapore 179365
Contact: 6100 2388

Image Credits: pixabay.com (CC0 Public Domain)

Sources: 1 & 2

Best Adult Playgrounds In Singapore With Tickets Under S$22

Everybody experiences stress at one point! From job loss to break-up, you have your own share of stressors. And these accumulated stress can be detrimental to one’s health when not managed.

While a trip to the nail salon with your best friend is always a good idea, why not consider blowing off some steam while burning calories at the same time?

Channel your inner stress-free kid by trying out these exciting “adult playgrounds”…

1. THE FLYING TRAPEZE

Being the first of its kind in Singapore, Sentosa’s The Flying Trapeze offers exhilaration and fun for its participants and spectators. Learning trapeze helps develop your strength, concentration, and coordination. Let the beach become your playground as you soar high above it!

Prices: S$10 per swing and S$20 for 3 swings

2. AMPED TRAMPOLINE PARK

Ready to experience the exciting thrill of defying gravity? If so, grab your grip socks and visit the nearest AMPED Trampoline Park. AMPED Trampoline Park has interconnected trampolines, foam pits, basketball court, and dodge ball court. Feel free to shoot hoops, jump into the valley of foams, and bounce around the trampolines. With outlets in Jurong and River Valley, adults of all ages can safely and efficiently enjoy this cardiovascular workout.

Prices: From S$10-18. Book here.

3. BUBBLE BUMP SINGAPORE

Take playing soccer up a notch with Bubble Bump. Bubble Bump Singapore offers bubble games where players wear inflatable balls in an attempt to win in a Soccer match. Each suit are harnessed and equipped to make sure your fall will be relatively painless. One session will surely bring all the players loads of laughter as you start the full-on bouncing action just to score a goal.

Prices: From S$15/pax of 20 people. Visit bubblebump.sg for more information.

4. MEGA ADVENTURE

Mega Adventure/ MegaZip Adventure Park is another place where you can play as adults in Sentosa. For people on a budget, you can enjoy one of its three attractions namely: MegaBounce, NorthFace, and ParaJump. If you want to jump as high as you possibly can, you can try the MegaBounce as its simple trampoline with elastic powercords allows you to jump up to 10 meters! If that is not enough, you can brave the 16-meter climbing wall at NorthFace.

Lastly, you can replicate a free-falling parachute jump with the 15-meter drop at ParaJump. Sounds like a good way to keep your adrenaline pumping, doesn’t it?

Prices: S$15 for MegaBounce and S$19 for NorthFace or ParaJump

Cheap Groupon Workshops To Enrich Your Life Skills

GROUPON is probably my all time favorite shopping companion. Used by many Singaporeans, GROUPON is a website that offers discounted deals on events, luxury goods, bags, watches, beauty products, lifestyle services, and getaways.

And if you swear by the website, you would know that they offer a number of deals on workshops too!

1. COGNITIVE SKILLS

Improve your memory with a two-hour workshop by Pinnacle Minds. Buy here.

Learn mnemonic techniques, develop your own memorization strategy, absorb information important to your profession, and more for the price of S$25!

With this workshop, Pinnacle Minds aims to relay their knowledge on multiple memorization techniques such as mnemonics. Founded by Sancy Suraj Singh, the current Guinness World Record holder for the longest sequence of colors memorised, the company has held seminars for various prestigious clients including Singapore Tourism Board and SingTel.

2. CREATIVITY

Unleash your creativity with the two-hour hand bouquet arrangement workshop by Rosebud. Buy here.

Suitable for beginners and those with green thumbs, this workshop is priced at S$26.

Using an assortment of imported flowers and other materials that are provided, Cindy Ko will teach you about floral design. Cindy Ko, the founder of Rosebud, is a UK-trained floral artist with twenty-three years of experience. Fortunately, you are able to bring home your wonderful creation!

3. LANGUAGE SKILLS

Take on the chance to learn the basics of Korean language with a four-session workshop by City of Manchester Centre of Management. Buy here.

Attend introductory lessons on Hangul (Korean Alphabet) and Korean conversational skills for the price of only S$22!

To further enhance your language skills, City of Manchester Centre of Management offers a series of classes to learn Korean through hands-on, activity-based lessons. The center is located in Shenton House, just a six-minute walk from the Downtown MRT.

4. FINE MOTOR SKILLS

Develop fine motor and concentration skills with your child with the two-hour clay sculpting workshop by Jumping Clay. Buy here.

Looking for a fun activity that you and your child can do? Look no further as Jumping Clay gives you the “2-Hour Clay Sculpting Class for S$24”.

Jumping Clay, an established brand founded in Korea, is a shop that teaches art workshops and sells an array of clay products. Participating in their workshop will help improve you and your child’s fine motor skills, concentration skills, and spatial intelligence. Everything is safe for your child as you will use nothing but non-toxic polymer clay.

Image Credits: pixabay.com (CC0 Public Domain)

These deals are available for limited time or limited slots only. See something you like? Go and click it! 🙂

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