MoneyDigest - Personal Finance, Lifestyle, Money Saving Tips

4 waist trainers from $79 to instantly shape up & make you look slimmer

Looking to enhance your curves and achieve a sleeker silhouette without popping any pills?

Waist trainers might help.

With their ability to provide instant shaping and support, these accessories can you look slimmer and feel more confident.

Wacoal Waist Corset

Price: $79

Tired of unruly bulges?

Say goodbye to those bumps with this waist-cinching corset.

Wacoal’s sculpting corset features flexible boning and medium shaping control to instantly snatch your waistline from every angle, giving you that hourglass shape.

Plus stand taller with improved posture while enjoying adjustable comfort thanks to the hook & eye closure.

Waistlab Classic 9 Waist Trainer

Price: $98

Confidence comes from within, but a little waist sculpting never hurt anybody.

That’s why we’ve included Waistlab’s bestselling waist trainer in this list!

It’s made for smoother silhouettes and 24/7 core compression.

A triple-layered construction of natural latex and cotton lining keeps you comfy while 9 steel bones cinch in your waistline.

The hook & eye closure ensures a tight fit that stays put through your sweatiest workouts or busiest days.

This 9-inch length also provides snug torso-shaping.

Turn up the heat with an hourglass you will want to flaunt for the holiday gatherings.

Skims Waist Trainer

Price: $105

Do your curves need a little boost?

Meet SKIMS’ hourglass waist trainer that sculpts your natural shape.

Its thin, high-tech neoprene fabric moves with your body, smoothing and shaping your waistline without discomfort.

Unlike old-school trainers, this design is soft to the touch and undetectable under even the slinkiest outfits.

No rigid boning, no pinching, just a second skin that accentuates your silhouette.

Available in beige and black, this lightweight compression piece lets you show off those curves with your head held up high.

Lazywaist The Fix

Price: $160

Last but not least, we want you to rewrite the rigid rules of waist training with Lazywaist’s The Fix.

It defies the constraints of traditional waist cinchers with its double-layered, flexible design.

Ditch the steel boning and go for exceptional compression in a breathable blend that bends seamlessly to your every move—from daily chores to high-intensity workouts.

The dual-layered zipper shapewear hugs your curves with its inner hook and eye closures, allowing you to sweat and cinch your way to a trimmer waistline without sacrificing comfort.

Available in sizes XS to 6XL, this waist trainer makes slimming your silhouette a no-brainer part of your daily routine.

It’s time to put restrictive waist trainers on permanent timeout.

This one’s playing for keeps.

For best results, pair this with The Shape in their exclusive Shaping Bundle: lazywaist.com/products/shaping-bundle ($390)

With the abovementioned waist trainers, shaping your silhouette is easy as 1, 2, 3. Stepping out for a special occasion or simply looking to skyrocket your confidence? These waist trainers make great companions. Enjoy the flattering change these waist trainers offer!

Earn 3.6% p.a. on your first S$20k and 3.2% p.a. on your next $30k with Chocolate Finance

Chocolate Finance is thrilled to introduce an upgrade to its popular Chocolate Top-Up Programme, enhancing its appeal for those looking to make the most of their cash reserves. With a new cap of S$50k for eligible balances, users can now enjoy boosted returns at 3.6% p.a. on the first S$20k and 3.2% p.a. on the next S$30k. This substantial boost represents Chocolate Finance’s commitment to delivering reliable, accessible returns that fit seamlessly into a customer’s financial goals.

Top-Up Programme now supports balances up to S$50k!

Under the new structure, a balance of S$50k could yield S$4.50 daily, S$138 monthly, and S$1,650 annually, all conveniently accessible in the Chocolate Finance app. This improvement aligns with Chocolate Finance’s mission to simplify the path to financial growth without the usual barriers or restrictive terms. Users can rest assured knowing they have the flexibility to withdraw their funds whenever they need, with no lock-ins or complicated criteria to meet.

Guaranteed 3.6% p.a. during the qualifying period

If they don’t make the target returns for your first S$50k (3.6% p.a. on your first S$20k and 3.2% p.a. on your next S$30k), the difference will be topped up during the qualifying period. In the app, you will now see a breakdown of your returns for amounts up to S$50k and for any amounts above S$50k, making it easier for you to track your earnings. You can tap on the first S$50k to view the detailed breakdown of 3.6% on your first S$20k and 3.2% on the next S$30k.

How to Get Started

Opening an account with Chocolate Finance is completely free. Simply download the Chocolate Finance app, sign up with Singpass MyInfo, and start growing your savings today.

The company’s innovative Top-Up Programme has also added a valuable assurance: if the target returns on the first S$50k are not met, Chocolate Finance will top up the difference during the Qualifying Period, which extends until March 31, 2025, or until reaching the ambitious target of S$1 billion AUM.

Important Information

Is the money in Chocolate Finance Account safe from capital losses, can I lose my principal sum?

The short answer is the money you put into your Chocolate Finance account is not safe from capital losses. However, for the long answer, you need to understand these 3 things:

Investment strategy: Any money you put into your account (capital) is then invested into a portfolio of fixed-income funds designed to optimise risk-adjusted returns based on factors like duration, yield to maturity, credit quality and currency.
Market fluctuations and how they deal with them: Markets do go up and down and so will the portfolio value. For balances below S$50k, if the value of your portfolio is lower than your capital at any given point in time, the shortfall will be topped up (on both losses incurred on capital and target returns) so you earn the 3.6% p.a. returns on your first S$20k and 3.2% p.a. on your next S$30k. I.e: This means, while the Qualifying Period is live, your capital sum for balances below S$50k won’t go down. Read more about the Top-Up Programme here or dive into the details for the Top-Up terms and conditions.
Segregated funds: All funds invested with Chocolate Finance are segregated and held separately by third-party licensed custodians. This means if anything happens to them – your money is still safe. Only the balancing item (i.e. any top-up that they may have provided) is not protected (and this is why they can’t say your capital is guaranteed).

Chocolate Finance’s strategy for delivering these returns rests on a meticulously selected portfolio of fixed-income funds. The focus is on optimizing risk-adjusted returns by thoroughly evaluating factors such as yield, credit quality, currency, and duration. This approach ensures that returns are not only competitive but also sustainable, making the programme an ideal solution for those who want to grow their money without taking on undue risk.

Chocolate Finance is a brand of Chocfin Pte Ltd (UEN 202347190R). Chocfin Pte Ltd is licensed and regulated by the Monetary Authority of Singapore. Returns illustrated above are rounded for presentation purposes. Actual returns may differ. Past performance is not indicative of future results. All investments involve risk, including the risk of losing all of the invested amount. Such activities may not be suitable for everyone. T&Cs apply. This advertisement has not been reviewed by the Monetary Authority of Singapore. Please refer to the full disclaimer at https://www.chocolatefinance.com/?risk=readdisclosure

Inside the Labubu Craze: Scams, Steals, & Surprises

For those unfamiliar with its origin, Labubu emerged from the imagination of Hong Kong artist Kasing Lung in 2015. Introduced in Lung’s Nordic folklore-inspired series “The Monsters”, Labubu is a quirky, elf-like figure that has captured the hearts of many. It has since been crafted in over 300 variations as reported by Kaikai Kiki Gallery.

Labubu’s journey skyrocketed in 2019 when Lung partnered with Pop Mart to release the character in collectible blind boxes, amplifying the thrill of each purchase. Yet, it wasn’t until early 2024, when K-pop sensation Lisa shared photos of her Labubu dolls, that the toy captured mainstream attention, setting off a viral trend.

Recently, Labubu headlines have been everywhere, and my social media feeds are flooded with stories ranging from petty thefts to heartwarming initiatives. While some fans have fallen prey to scams, others are using Labubu’s popularity to support charitable causes.

FAMILY OF 3 STEALS S$100 WORTH OF LABUBU

Cash Chong, the owner of Dr. Clawtopus in Sim Lim Square, shared shocking footage of a family allegedly swiping S$100.70 worth of Labubu dolls from his claw machines. The video shows the family tinkering with the machines, seemingly attempting to break one open.

Image Credits: facebook.com/popmartglobal

Watching the footage left me stunned as the parents committing a theft in front of their child is disheartening. The stolen dolls included a Halloween Labubu, a Pronounce Labubu, and a “Have a Seat” Labubu, valued between S$24.90 and S$37.90 each. Chong, in an act of grace, said he hopes the family will return the dolls in good condition and assured them he would not press charges if they do.

WOMAN LOSES S$6,000 IN LABUBU SCAM

A young woman in Malaysia was scammed out of nearly RM20,000 (around S$6,000) while trying to purchase Labubu dolls through Instagram. Initially, she made a small purchase that went smoothly, receiving a genuine doll in excellent condition. However, when she placed a larger order, the seller demanded payments split across five different bank accounts. Trusting the seller due to her positive first experience, she complied, only to be blocked by the seller shortly afterward.

Reflecting on her experience, I’m reminded of my own encounter with an overseas seller on Instagram whose designer wallets seemed too good to be true. While I received my item, I still wonder if it was genuine as an online forum revealed that the seller has scammed hundreds of people before. Afterward, I became more cautious, buying only from reputable sellers despite their higher prices.

MAN SPENDS S$10,000 ON LABUBU IN A MONTH

In the world of collectors, everyone has their own currency of value. While my cousin invests in luxury watches and I save up for my dream bag, some enthusiasts like Lu Tianfu pour their funds into Labubu.

Lu, an architect by profession, dedicates much of his free time to hunting for Labubu figures. He visits arcades across Singapore nearly every day. With over 60 Labubu blind boxes and multiple larger figurines in his collection, Lu has even started selling some of his catches.

CHANGI PRISON INMATES CRAFT LABUBU OUTFITS FOR CHARITY

In a heartwarming twist to the Labubu phenomenon, four female inmates at Changi Prison have put their skills to good use, crocheting tiny outfits for Labubu dolls as part of the Art Behind Bars rehabilitation program.

Guided by volunteers, the inmates spend up to six hours a day crafting these outfits, which will be sold to the public for S$15 each at Just BrewIN cafe starting mid-November. Proceeds will support the Yellow Ribbon Fund, showcasing how the Labubu craze can contribute to meaningful causes.

Image Credits: facebook.com/SingaporePrisonService

What Labubu story do you think will go viral next? Share your thoughts in the comments!

Sources: 1,2 ,3 & 4

4 accommodations under $149/night in London if you can free yourself for a trip in December 2024

If you’ve been yearning for an escape to London, December makes a wonderful time to pack your bags.

After all, you’ve got to clear your annual leave before 2025 begins, right?

With the city dressed in festive lights, allow us to share with you a quick list of accommodations for your consideration.

Private room in a flat with panoramic river views

Price: $122/night (for 2 persons)

Travel dates: 22 to 27 December 2024

This private room offers a riverside sanctuary in the heart of Greenwich.

Wake up to panoramic Thames views from the balcony, making it an excellent start to the day.

In the evenings, take in the sunsets with a glass of wine as city lights twinkle to life.

Yet the central location means you’re just steps from transport links, allowing easy exploration of attractions.

Looking for a home base or a launching point for London adventures?

This rental unit’s the one for you.

Bright & airy flat in the heart of Hackney and East London

Price: $131/night (for 2 persons)

Travel dates: 23 to 28 December 2024

Your stay awaits in the beating heart of London’s edgiest borough.

This modern flat is just steps from Hackney’s indie boutiques and buzzworthy hangouts.

Inside, you get light-filled spaces and luxe amenities—underfloor heating and smart TV with Netflix/Prime streaming.

Whether you’re a solo traveler or a coupled-up duo, the one-bedroom layout offers a respite from the city’s pulse.

Still, the lively Stoke Newington scene and green spaces like Springfield Park are steps away.

Completed in 2022, it’s a fairly new build.

Minimalist room with a workspace near Canary Wharf

Price: $140/night (for 2 persons)

Travel dates: 14 to 19 December 2024

This minimalist yet well-appointed room features a dedicated workspace, complete with an office desk and fast WiFi to keep you plugged in.

When it’s time to log off, feast your eyes on the vistas of Canary Wharf’s skyscrapers and the greenery of Bartlett Park through your window.

A lockable bedroom door ensures you can “rest in peace”, while the small double bed sets the scene for restful nights in this sought-after shared flat.

Dining, nightlife, and transit options abound mere steps away.

It’s a room suitable for remote workers, digital nomads, or urban explorers craving a low-key yet connected home.

King bedroom in the quiet neighborhood of Walworth

Price: $146/night (for 2 persons)

Travel dates: 15 to 20 December 2024

Last but not least in the heart of central London’s quiet Walworth neighborhood, discover a king-size retreat that’s both centrally located and tucked away.

This top 5% rated home on Airbnb has a private king bedroom that makes a superb space after hours spent exploring London’s streets.

Free parking? Check.

Private patio with a view for sipping morning coffee or evening wine? You bet.

Book early to enjoy your king-size London getaway.

As you start planning your December escape to London, consider the abovementioned affordable accommodations. With these wallet-friendly options, you’re set for a cool winter adventure! So, free up your schedule, book your stay, and get ready to fly.

5 Christmas advent calendars $59.90 & under to count down to Christmas 2024

I don’t know about you but counting down to Christmas is an act that fills the season with anticipation for me…

And advent calendars have long been a favorite way to mark these festive days.

If you think so too, we’ve scoured online to bring you a list of advent calendars $59.90 & under, that will help you ready yourself for Christmas 2024.

Have a look!

Thirsty’s 12-Day Advent Calendar Gift Box

Price: $39

Bring the Christmas magic home with this (empty) Advent Calendar Gift Box.

Delivered in a cute cottage design, this festive box holds 12 drawers just waiting to be unfolded as you countdown to the big day.

Inside each door is a space for a daily beer surprise (add your favorite brews) to please the hop-head in your life.

Deck the halls by customizing your cottage using the included sticker booklet.

Adorn it with festive wreaths, glowing windows, Santa’s sleigh, and Beery the Polar Bear!

At 12 cans’ capacity, this clever calendar is a spirited way for beer enthusiasts to ring in the season one can at a time.

Typo’s Stationery Advent Calendar

Price: $49.99

Part stationery haul, part festive treat, this advent calendar packs 12 merry days of paper goods and desk trinkets.

Peel back the doors to reveal surprises like gel pens, paper clips, washi tape, and other functional accessories that bring a pop to your workspace.

Get the thrill of unboxing, from pocketing that memo pad to doodling in a new journal.

With two color schemes to suit different aesthetics, it’s THE pick for injecting whimsy into the stationery lover’s domain or gifting the pal who enjoys life’s little paper pleasures.

Nespresso’s Original Advent Calendar

Price: $55

For 24 mornings this season, crack open a new door on this advent calendar—a different coffee pod lies in wait each day, including three new flavors co-created with chef Jean Imbert.

The calendar itself is an art piece inspired by Belmond’s storied art of travel.

It’s a centerpiece for the holiday home that doubles as a countdown to Christmas!

But the coffee journey doesn’t stop there—behind the final door, a limited-edition porcelain mug awaits, extending your tasteful mornings into 2025.

T2’s For the Love of Flavour Tea Bag 24-Day Advent Calendar

Price: $55

Or celebrate the season of deliciousness sip by sip with T2’s 24-Day Advent Calendar, which packs a kaleidoscope of teas from refreshing greens to zingy ginger and rich blacks infused with warming spices in a recyclable box.

Uncover a new flavor each day, wrapped in its sachet.

Whether you’re savoring the sweet notes of fruit tea or the decadence of vanilla, each compostable brew bag delivers a new adventure for your taste buds.

It’s a tea lover’s countdown to festive cheer, whether you’re gifting it or keeping the deliciousness all to yourself.

Lego’s Harry Potter™ 2024 Advent Calendar

Price: $59.90

Last but not least, reignite the magic of Hogwarts this holiday season with the LEGO® Harry Potter™ 2024 Advent Calendar.

For 24 days leading up to Christmas, young witches and wizards uncover a new, buildable Harry Potter mini-toy.

Will it be the Hogwarts castle? A broomstick? A mystical creature?

Each day brings a dose of fantasy to construct and reimagine iconic Harry Potter adventures.

With 7 LEGO Harry Potter minifigures and mini-build toys related to the 4 Hogwarts houses, this advent calendar puts characters and locations into tiny hands.

It’s a gift for any budding Muggle or Potterhead.

Top-Up Programme now supports balances up to S$50k!

Guaranteed 3.6% p.a. during the qualifying period

How to Get Started

Important Information

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