The Virgin Solo Trip On A Budget

“As you travel solo, being totally responsible for yourself, it’s inevitable that you will discover how capable you are.”

Living in one of the smallest and safest countries in the world, it is impervious that majority of the Singaporeans aren’t as independent as the greater part of the world growing up. The sad fact that we aren’t able to defend ourselves and be as “street smart” puts us in a real disadvantage. Not to compare to anyone, but instead a disadvantage to ourselves when we set foot into a new territory on our own. Born with a silver spoon in our mouths, the world beyond this little island that we grew up in can be very intimidating.

As a Singaporean myself, travelling out alone is definitely something I really enjoy, but nonetheless it was daunting at first especially in a country where I’ve never been to before. I had the chance to travel out alone recently, and for me, it was awe-inspiring and refreshing. For those of you who have been considering travelling solo, here’s my two cents worth of tips.

  1. Do Research

Possibly one of the worst things to do is take a flight to a country you know nothing about. Aside from all the attractions and sightseeing spots, certain countries tend to charge tourists a different rate from the locals. Knowing things such as which cab services to take and where the best places to shop are will shed light on what you can expect to ensure you’ll have a smoother trip and less hiccups.

Read Also: Your Ultimate Guide To Planning Your Europe Trip

  1. Back Up Plans

Unexpected things happen more often than not when you least expect, and so you should always be prepared. Keep a photocopy of your passport, travel details, extra cash and maybe a credit card somewhere in case things go awry. A thumbdrive with the soft copies saved will also do the trick. You might also want to save the number of your embassy and bring along a power bank to charge your mobile, laptop and any electronic peripherals that may comes in handy.

Check out the Traveler ID App in iTunes.

  1. Travel Light
Samsonite Firelite

Samsonite Firelite 20″ Carry-On Hardside Spinner Luggage

 

People travel alone for a vast number of reasons – be it to shop, explore or take a break from their hectic schedule. Since you’ll be alone, it’d be best to take your own luggage with you all through the way just to make sure it’s in safe hands. Keeping your baggage light allows you to move around more freely and, maybe also shop more. The Samsonite Firelite is crafted from woven thread of polypropylene with Curv technology making it one of the most durable and lightest bag under five pounds. (Costs $465 on eBags with 15% discount from vPost)

  1. Be Cautious Of Your Surroundings and Personal Belongings
Checked Baggage

(Image credit: TheeErin, via Flickr)

Self-explanatory, the small bag you carry around should be guarded with all you’ve got – it is in fact, all you’ve got when you’re out roaming the streets. Best to be observant of your surrounds and people: not paranoid, alert. Make sure you create clear labels and tag your bags.

  1. Weigh Your Decisions

Travelling alone means you can do whatever you want, whenever. But with great power to decide, comes great responsibility to return in one piece. Jumping off that cliff sure looks like great fun, but know what you’re getting into before taking the leap.

With that said if you’re still hesitant, take the adventure to a place you’ve been to before or a place where the popularity can speak simple English. Here are a couple of places which has loads of unexplored adventures that are good for starters with a budget:

  1. Australia
Ayers Rock Uluru

Ayers Rock, Uluru (Image credit: Mark Wassell, via Flickr)

Being the sixth largest country in the world, there’s definitely places you’ve yet to visit and things you’ve yet to do. From diving to visiting the beautiful Ayers Rocks, this country’s beauty will sweep you off your feet. Love camping? Bring along your outdoor gear!

Read Also: 25 Places You Need to Visit in Australia

  1. Thailand
Chiang Mai Night Market

Chiang Mai Night Market (Image credit: Caitriana Nicholson, via Flickr)

A popular destination amongst Singaporeans, the Land of a Thousand Smiles is rich in culture. Although language may be a barrier, the signs and directions are quite clear. With the help of the people, it shouldn’t be a problem at all.

Read Also: 10 Best Places to Visit in Thailand

  1. The Philippines
Chewy Chua

Boracay at Dusk (Image credit: Chewy Chua, via Flickr)

The Philippines is similar to Singapore with majority of the population able to converse in English which makes travelling around easy as pie. The lot of beautiful beaches and the world’s biggest shopping mall at your dispense ensures that you have everything you need.

Read Also: 14 Places to Visit in the Philippines in 2014

  1. Hong Kong
Night of Hong Kong

(Image credit: Jonathan Leung, via Flickr)

A highly cosmopolitan city, Hong Kong is full of scenic gardens, fantastic hiking trails and great food. One of the biggest cities in the world, you’ll never finish exploring Hong Kong’s uniqueness. If you love shopping, you would definitely fall in love with the night markets along Temple Street.

Read Also: 20 Must Visit Hong Kong Attractions & Travel Guide

  1. Malaysia
Deer Cave, Gunung Mulu National Park

Deer Cave, Gunung Mulu National Park (Image credit: robdu91, via Flickr)

One of the more technologically advanced cities in Asia, it is the hallmark of an ideal exotic locate. From the wild forestry to the skyscrapers in the city, it’s like being in two places at once.

Read Also: 10 of the Best Places to Visit in Malaysia

Before you embark on the greatest adventure of your life alone, be sure to book your flights by comparing the fares from SkyScanner without compromising on your safety. Book your hotels with the best rates with our hotels search engine: http://hotels.moneydigest.sg

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Do-It-Yourself Gift Ideas Your BFF Would Love

As Samuel Butler once said: “Friendship is like money, easier made than kept.”

This is why it is so special to have a best friend whom is there with you for the longest time. What better message of gratitude can you convey when you pour your heart on handmade gifts? The good news is that you do not have to spend loads of cash since you can just use the materials you already have at home!

1. FOR YOUR BOOKWORM BFF

If you have beautiful earrings but you lost the other piece, do not throw it away. You can still use it as vintage looking bookmarks. Simply follow these instructions by Jewelry designer, Andrea Singarella. You can buy a meter of ribbons for only S$1.50-3 at any Spotlight or Daiso store.

Image Credits: www.countryliving.com

Image Credits: www.countryliving.com

2. FOR YOUR JEWELS LOVING BFF

So you bought an inexpensive and simple gloves in the Flea Market or in the online shops such as Zalora and Forever 21 but you realize that it is so plain. You can make a DIY present by adding jewel embellishments that you can buy in Daiso for S$2.

Image Credits: www.clonesnclowns.com

Image Credits: www.clonesnclowns.com

3. FOR YOUR WORKAHOLIC BFF

The best way to reward your workaholic BFF is by giving the present of an enjoyable bath time filled with relaxing fragrance. Achieve that by making bath bombs that are similar to the ones sold at Lush Singapore.

Image Credits: www.lushsg.com

Image Credits: www.lushsg.com

Here are four ways you can make different types of bath bombs from basic to herbal type.

4. FOR YOUR FORGETFUL BFF

Does your friend misplace his or her keys a lot? Well, you can make a special keychain for her that is easy to find. Turn your printed fabric extras or used clothing into fabric keychains. To personalize these keychains even more, you can add some finish touches such as the first letter of your BFF’s name or assorted buttons and sequins.

Full instructions are available here.

5. FOR YOUR PHOTOGRAPHY-JUNKIE BFF

Bring your wonderful memories to life by turning photos into very personal greeting cards. Print his or her favorite Instagram photos in JPEG format using glossy or matte photo papers available for as low as S$2 at Popular bookstores.

Image Credits:  www.sayyes.com

Image Credits: www.sayyes.com

Have fun crafting!

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9 Clever Uses For A S$2 Bottle of White Vinegar

Who would have thought that S$2-3 bottle of white vinegar can lighten your teeth, clean up your toilet, and soften your feet? This all-purpose kitchen spice can do so much more to help you save time, effort, and money.

1. GET THE SHINY SMILE

Lighten your teeth by brushing it once a week with distilled white vinegar. Also, it helps to fight bad breath.

2. AVOID CRACKED EGGS

Cooking hard-boiled eggs with your Kaya Toast? Try adding two tablespoons of white vinegar to the water. The eggs and its shells will stay in place.

3. CLEAN UP YOUR BATHROOM

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.

4. STOP ITCHING FROM INSECT BITES

Treat your mosquito or insect bites with a cotton ball soaked in white vinegar. This helps disinfect the area and stop itching sensations.

5. GET SHINY COFFEE CUPS AND TEA CUPS

Easter is coming up! Showcase bright cups to your guests by scrubbing stains with ½ white vinegar and ½ salt solution.

6. RESTORE PAINT BRUSHES

Repainting your flat? There is no need to buy new paintbrushes because the old one has paint stuck on them. Simply place the brushes in a pot or vessel with white vinegar. Let it soak there for an hour then, turn the stove on and let the white vinegar simmer. Rinse the brushes to clean.

7. REMOVE CRAYON MARKS

Sometimes, children get too excited that they draw on the wall with crayons. Believe me, it is hard to remove crayon marks. For an inexpensive and non-toxic route, dip a toothbrush in white vinegar and gently scrub the surface.

Image Credits: Brandie Heinel via Flickr

Image Credits: Brandie Heinel via Flickr

8. UNSTICK OLD SCREWS

Loosen up some old screws easily by pouring white vinegar on it.

9. GET SOFT AND SMOOTH FEET

What to go to the Siloso Beach but afraid of your callused feet touching the sand? Say goodbye to calluses and cracked heels by soaking your feet in one part white vinegar and two parts lukewarm water at least 20 minutes a day. It works as the vinegar removes your dead skin.

White vinegar, you are a life saver!

Source: AllYou

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Best Credit Cards For Online Shopping

woman making a purchase online with her credit card

Modern technology optimized our shopping experiences by letting us purchase items online. Now it is our job to maximize our hard earned money by choosing the right credit cards to shop with. Here is a list of the best credit cards available in the Singapore market…

3. DBS WOMAN’S MASTERCARD® CARD

Minimum Annual Income (Singaporean/PR): S$30,000

detail_size_dbs-womans-mastercard

Take it from Beyonce as girls truly run the world – virtual shopping world to be exact!

With DBS Woman’s MasterCard®, you can earn rewards points 5x if you shop anywhere online. Also, you can get S$40 worth of Qoo10 discount coupons every month or complimentary access to selected True Yoga and True Fitness Centres! Go crazy with these privileges by using the DBS Woman Mobile App. The annual fee of S$161 is waived for a year.

2. OCBC FRANK CARD

Minimum Annual Income (Singaporean/PR): S$30,000

WildBold-05

With over 120 free card designs to choose from, OCBC Frank Card proves to be a stylish companion to your online shopping. It gives you 6% rebates on every online purchase you make up to a cap of S$60 a month. If you exceed that, you will enjoy unlimited rebates of 0.5% on all other purchases. You can easily track your spending and rebates by going to OCBC Online.

The good news is that you can get 10% off hotel bookings by booking online through Expedia.com.sg, 10% off regular-priced items on The Travel Store, 10 off purchases on GoBuyLah.sg, and 15% off purchases on Ruedusucre.com. Also, the annual fee of only S$32 is waived for 2 years!

1. CITIBANK REWARDS CARD

Minimum Annual Income (Singaporean/PR): S$40,000

How does Citibank welcome its new rewards cardholders? Well, with complimentary shopping vouchers worth up to S$100 of course. Enjoy shopping vouchers from Havaianas & CommonThread, Dockers®, Headline Seoul, New Look, Max&Co., Victor York, and more. The Citibank Rewards Card allows you to earn 10x reward points when you shop online. Aside from this, gives you discounts to several online shops.

Want to know more? Here is the concise list of their current online shopping offers…

Blue Nile: 10% off on all purchases of standard jewelry products storewide.

HipVan: 15% off on the site’s items

IN GOOD COMPANY: 10% off storewide

Klareti: 7% off on regular priced items storewide

Luxola: 25-40% off depending on spending

Menlook: 10% off with minimum spend of S$150

Modajar: 10% off storewide

Rakuten: 10% off on the site’s items

Reebonz: 7% off on all purchases

ShopBack: 20% rebate on the site’s items

Victor York: 20% off storewide

ZALORA: 25% off on the site’s items
detail_size_sample

Fret not about the annual fee of S$193 because it is waived for a year.

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Why You Must Stop Comparing Your Earnings To Someone Else’s

As Buddha once said: “Do not overrate what you have received, nor envy others. He who envies others does not obtain peace of mind.”

Even though we are not aware of it, we as human beings have the tendency to compare ourselves to others in order to know what state in life we really are. The sad truth is, most people feel happier when they perceive that they are wealthier than others than the fact of being able to earn for a living. Simply, several studies showed that one’s earnings in comparison with others play an important role in one’s happiness.

But people’s economic positions are not as perfect as your mind makes it out to be! Here are the other reasons why you must avoid comparing yourself to others in terms of money…

1. YOU OFTEN COMPARE INACCURATELY

Often, when you compare yourself to others, you may not get the 360 view of the person’s life. You only get the glimpse of what they want to show in public especially in social media. In Facebook, most publicize their lavish possessions and greatest achievements while masking their struggles such as domestic disputes or living from paycheck to paycheck. On the other hand, you may be envious of how your friend is always getting the big commissions but you are not aware that he has to lose those loads of money right away just to pay off his student loan. So, it is important to not make any assumptions and move the spotlight towards your life.

2. YOU ARE ENTERING A CYCLE OF NO END

This endless cycle of comparison will only take you to a downward spiral as your goals get higher and higher where there are many categories for you to choose from. You may compare your HDB flat to your colleague’s high-rise condominium, or her designer shoes compared to your shoes that were on sale. There will always be others who may appear that they have better material possessions that you. This is why measuring your worth by comparing your earnings and material possessions to others are an unhealthy habit that may lead to depression.

3. YOU MUST ACCEPT THAT WE ARE ALL SPECIAL

Whenever you desire to purchase something, whether it be a new purse or a new car, pause and ask yourself if you really want to buy it because it is what you want or because you want to fit in with everyone else. By knowing how detrimental this habit can be, learning to accept our differences is essential. While they are willing to spend more time in the office to earn better wages, you are spending more quality time at home with your family.

Image Credits: Windell Oskay via Flickr

Image Credits: Windell Oskay via Flickr

We may be created uniquely but, we are all special.

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