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How To Manage Your New Year Expectations

It is hard to believe the unprecedented year 2020 has come to a close. While things have certainly changed, people still develop expectations about future events. However, many people see the new year as a means to refresh a “frozen browser”. Change does not come overnight. View 2021 as a timeline for change. You will morph into the person you want to be as the days go by.

On that note, here are several tips to help you manage your life expectations.

LIFE HAS MEANING

Viktor Frankl was an Austrian Holocaust survivor, a neurologist, a psychiatrist, a philosopher and an author. He founded Logotherapy, which looks at the beauty in suffering. He believes in man’s dedicated search for meaning. Defining what matters to you can help you manage your expectations. Working at home or being trapped in your own space can make you feel helpless. It helps to adapt to the situation that you are in. Humans are incredibly resilient and challenging circumstances such as the pandemic help as foster and nurture our relationships. Focus on that.

WORK RELATIONSHIPS TAKE TIME

If you have a specific list of expectations about how your co-workers should respond or behave around you, your work relationships will suffer. I am not referring to acceptable (e.g., meeting the deadlines) and unacceptable behaviors (e.g., sexual harassment) here. Instead, you must not expect the person to behave a certain way just because you desire them to. For instance, you cannot expect your co-worker who is not a “morning person” to greet you with a cheerful high-five every morning. You will be disappointed. Accept your co-workers as they are.

STAY IN THE MOMENT

Sports Psychology highlights that the body is capable of far more than what we believe. Athletes who applied Sports Psychology to their routines have practiced visualization for success. It is good to visualize a pleasant future, but being anxious about the future can diminish your well-being. Avoid contemplating about what the future effects of the pandemic. Instead, do your best to stay in the moment. Try meditation. Mindful meditation is the process of actively and openly observing one’s physical, mental, and emotional experiences.

SET SMALL TREATS

Open your 2021 calendar and set your monthly goals. Accomplishing each goal entails getting a small treat. As many of our plans for the year have been postponed, you may allow each family member to choose a monthly treat to boost their motivation.

EXPECT THE UNEXPECTED

Year 2020 taught us that not everything goes as planned. Instead of hitching your wagon to the assumptions of the future, re-direct your mind to the present moment. It takes self-acceptance, patience, and will to manage your expectations.

Image Credits: unsplash.com

What are your financial expectations for year 2021? Be flexible enough to embrace life’s surprises!

Sources: 1 & 2

6 Last-Minute Shopping Ideas

Christmas falls on the same each year, but it still manages to sneak up on us. Many people prefer to do last-minute shopping by rushing to the mall or by clicking “add to cart”. While you can always give your loved one a gift card, these last-minute gift ideas feel way more personal.

#1: BATH TOWEL – S$15

Muji creates high quality items at affordable prices. Add posh to your friend’s house by gifting a set of Muji bath towels. You may add a personal touch by stitching your friend’s initials on these towels.

#2: LAVENDER SOY CANDLE – S$18

As your loved ones deal with the copious amounts of work or school stress, they will need a trip to the spa or two. Help them unwind in the safety of their owns by gifting soothing candles. Lavender helps the person to relax and calm down. You may purchase a Lavender soy candle at naiise.com.

#3: VANITY TRAYS – S$9.90

Find a gift that is perfect for organizing all smaller items in the bathroom or in the desk. Look no further than IKEA’s SAXBORGA. This set of 2 cork trays make it easy to organize makeup, jewelry, and other small accessories. Help your friend keep her space neat and tidy with this handy organizer.

#4: SPORTS BRA – S$39-45

If your significant other loves to keep fit, then athleisure is her ideal present. A reliable sports bra keeps you supported and comfortable during a workout. You will strike a jackpot by gifting the Anta or Under Armour sports bra at zalora.sg.

#5: FOREO FOFO CLEANSER – S$130

If your sibling enjoys skincare as much as I do, consider purchasing a waterproof facial cleansing device such as Foreo. Foreo uses T-Sonic pulsations to assist deep and gentle cleansing over the skin. It is a cleansing device that helps absorb the skincare products better. Sephora Singapore carries the Foreo Fofo for S$130.

#6: FITBIT VERSA 2 – S$258

The most expensive item on this list suits both men and women. The Fitbit Versa 2 is a smartwatch that helps create bedtime reminders, set alarms, and check the weather with its voice-activated technology. You can also receive insight into your health necessities such as your sleep schedule and your heart rate. Moreover, you can connect it to Spotify and play songs from your watch. It is available for a discounted rate at Lazada Singapore.

Image credits: unsplash.com

It helps to know what your recipient’s interests and hobbies are. Find an ideal gift that suits his or her preferences. Afterwards, add a touching written message to brighten his or her Christmas.

Sources: 1 & 2

10 Powerful Micro Habits That Can Change Your Life

Habits are powerful. From cycling every morning to praying every night, habits are frequent patterns of behaviors that reflect who we are. It is the selective repetition of activities that shapes our lives. Inevitably, our habits become significant parts of our lifestyles.

We often fail at building habits by setting unrealistic and unsustainable goals. Starting small makes habit building more manageable. Benjamin Hardy compares this concept (micro habits) to compounding interest. When given choice, people would opt to take a million dollars in the bank as opposed to a cent that doubles in value over the course of the month. What most people do not realize is that they will get more payout by taking the second option.

He said: “The doubling penny actually ends up being $10.7 million dollars. Yet, the majority of the growth happens at the very end, and most people aren’t patient enough for the big return. The live for the moment culture of today stops people from investing.”

Micro habits can change your life. It is up to you to strategize which habits you are willing to integrate in your routine. Here are some of the examples.

#1: WRITE A PARAGRAPH

Whether you are building a robust business plan or a non-fiction book, start by writing a few sentences each day. Make it a goal to write a paragraph by the end of the week. The momentum will build on its own and you will find yourself effortlessly writing more and more as the days go by. In fact, I have written my second book in less than two months. Beginnings are always the hardest.

#2: LISTEN TO UPLIFTING PODCASTS OR SONGS

Open your Spotify or music app and listen to podcasts and songs that inspire you. Children typically benefit from having background music while they learn. You may consider listening to a financial podcast as you travel to work. Great music can put you in an energized working state.

#3: RESPOND TO TEXTS AND EMAILS

As much as possible, respond to important emails and texts as they come in. This way, you will not be left with a backlog of tasks to attend to.

#4: BE LESS REACTIVE

Train your mind to be calmer. When you see or hear something that immediately frustrates or upsets you, avoid reacting first. Analyze your thoughts and take a deep breath. Learning to take small pauses will help you figure out where your emotions come from and what your next action should be.

#5: PREPARE FOR YOUR NEXT DAY

Always come to work or school prepared. Prepare for the next day by allotting a few minutes of your night routine to preparation. Make a simple list of the things you need to bring or tasks that you need to accomplish tomorrow. Then, plan your attire. This can take you about 5 to 10 minutes.

#6: TAKE A POWER NAP

A power nap that can span for 15 minutes is all you need to get back to your optimum performance. It is a skill that you can master for a period of time. You will find yourself accomplishing more by napping once or twice a day.

#7: PRACTICE SAYING “NO”

Our energy levels are limited per day. More often than not, you will come across some of the most demanding people. Ensure that you spend your energy to the things and people that you truly care about. Do not feel bad for saying “no”. Ultimately, it is a means of self-preservation.

#8: DRINK MORE WATER

It is recommended to drink about 8 cups of water a day. Just focus on drinking one more glass a day. Then, it will become a part of your routine.

#9: EAT ONE LESS UNHEALTHY SNACK A DAY

It is easier to skip one unhealthy snack a day than to overhaul one’s entire diet. Focus on one unhealthy item that you can live without that day. Just one!

#10: CELEBRATE SMALL WINS

This year has been all about counting our blessings. Big wins do not come by often. Boost your morale by celebrating small wins. There is a reason why people rush to go to the game’s “boss level”. We constantly want to be rewarded. So, every time a small positive event happens in your life, consider it a “win”. You may treat yourself to a hearty lunch or write it down in your “success journal”.

Image Credits: unsplash.com

Celebrate small wins. You deserve it!

Sources: 1 & 2

5 Habits That Drain Your Wallet

A habit is defined as a settled tendency or a usual manner of behavior. Whether you take daily morning walks or sip a cup of coffee at noon, your habits become nearly or completely involuntary as time passes.

The key to developing healthy habits that float well with your finances is moderation. If you are indulging too often on a habit, cutting back may save you money and protect your health. Below are just some of the habits that can drain your wallet.

SMOKING CIGARETTES

Smoking raises your risks of serious health problems such as stroke, heart disease, emphysema, and cancer. According to the Centers for Disease Control and Prevention, smoking cigarettes harms nearly every organ of one’s body. Take care of your health by reducing or eliminating your smoking habit.

Let us start with the average cost of a cigarette. Last year, the average retail price for a 20-stick pack of cigarettes in Singapore was at S$13.08. A pack-a-day habit will run you about S$4774.02 a year. Imagine the amount of money you can save or invest in a span of 12 months!

Quitting smoking cancels out the costs for your finances and your health. However, it is easier said than done. There are several ways to quit smoking such as Cold Turkey and Cognitive Behavioral Therapy. Cold Turkey entails that you stop all at once. According to WebMD, about 90% of smokers who try to quit choose this method. Unfortunately, many of them do not succeed. Using this method may put your body into a state of nicotine withdrawal. Let us focus on the other method. The Cognitive Behavioral Therapy (CBT) uses the power of your thoughts, feelings, and mental processing in order to reduce your smoking habit. This works best with people who are open to counselling and psychotherapy.

EATING OUT DAILY

Eating out regularly, especially indulging on fast food, is not the healthiest habit out there. It is simply hard to resist! This is due to the convenience and familiarity attached to fast food chains and restaurants. After an exhausting day at work, we just want to relax at home and not spend more time for cooking dinner. It is a lot easier to order a box of pizza or a bowl of ramen with a few taps on an app!

Despite the great deals that fast food chains offer, eating out is more expensive than cooking your own food. A five-dollar meal may not seem expensive, but the costs add up. If you eat out on a daily basis, you can consume about S$35 to S$100 in a week. Reduce your spending by planning your meals ahead of time and preparing on-the-go snacks (e.g., sliced apples or fruit-filled yogurts).

DRINKING ARTISAN COFFEE

Consumed on a daily basis, artisan and gourmet coffees can get expensive. For many people, drinking a cup of joe in the morning seems like second-nature. They wake up and smell coffee. I have several friends who cannot function properly in the morning without having their cup of coffee. And it is not just the smell that wakes them up. It is the caffeine.

It may seem relatively cheap to spend a few bucks a day at a local coffee shop. However, you must consider all the money that you could have saved if you brewed your own coffee at home.

REGULAR GROCERY SHOPPING

Some people have a habit of shopping for groceries on a daily basis. A good way to ensure that you stick to your grocery budget is to restrict yourself to one grocery trip per week. Frequent trips to the grocery store throughout the week can make you tempted to buy more than what you need. Making a routine of hitting up the grocery whenever you forget something indicates that you do not have a proper grasp of your consumption. It is best to plan ahead!

Avoid grocery shopping when you are hungry or when you have an ample amount of time to spare. People are more susceptible to purchasing additional items when they are hungry or when they go for leisurely shopping. These unnecessary items usually go to waste.

CONSUMING ENERGY DRINKS

People who have a tendency to purchase a bottle of energy drink everyday may develop a tolerance towards it. Chances are, you will need to drink more than a bottle per day to keep you buzzed all throughout. That can cost you more than .50 cents a day. Is it time for you to kick out your energy drink habit?

Image Credits: pixabay.com

If you need the energy drink to keep you active throughout the day in compensation of sleep deprivation then, you need to alter your sleeping habits. You will not feel exhausted at work with a full cycle of sleep. If fatigue persists, you may consult a doctor.

Sources: 1 & 2

8 Shopping Traps That Make You Spend More

Have you ever experienced going into a shopping mall or an online shop with a list in mind, and ended up buying more? Whether you shopped with an empty stomach or got entangled with several marketing strategies, stores can employ tricks to make you spend more. It is best to increase your awareness on the subtle, psychological, and clever marketing traps to help you save more money on your next bill.

On that note, here are 8 Shopping Traps That Make You Spend More:

#1: CHILDREN’S OPINION

As the Yuletide season approaches, many stores offered colorful options for children. Children have a strong influence on what goes inside the carts. Supermarkets purposely place cereals, toys, and sugary treats at a kid-friendly level. Avoid giving in to your child’s desires by leaving him or her at home when you are grocery shopping.

#2: VICTIMS OF FREE SHIPPING

The truth is, free shipping is not “free”. Retailers have already factored in the shipping costs before they release their prices. It is easy to be lured with “free shipping”, especially when you are purchasing several items online. You just have to pay an extra S$5 to S$10 on an item just to get the free shipping option. This ensures that you end up buying more than what you expect.

#3: HIDDEN NECESSITIES

Daily necessities such as dairy, bread, eggs, etc. are placed at the back of the store and far away from each other so you will be encouraged to travel the whole store to get it. Once you have travelled, you probably got more that what you initially needed. Consider going straight to the back of the store and keep your shopping list on hand.

#4: LURED BY THE NUMBERS GAME

Retailers are smart! Instead of putting a price of S$5 on a product, they will put an irregular price of S$4.99 or S$4.96 to make you think that you have scored a better deal. What’s more? They will also add the illusion of saving more money by buying more of their products. These seemingly small details actually work.

#5: ATTRACTIVE SALES

When you see the word “sale” advertised in a physical or an online store, you automatically think that you are getting a better deal. This may not always be the case. Just because something is on sale, does not mean that you have to buy it. Purchasing sale items overtime can get you on a trail of consistent overspending.

Sale traps include: “receive a free give when you spend…” and “buy 1, get 1 free”. The former may be giving away free items that the store could not sell. While, the latter is only useful for essential items such as food and toiletries.

#6: ENTICED BY THE AROMA

Imagine the smell of baked breads mixed with the fresh smell of flowers. Very attractive, right? This is why newly baked goods and fresh flowers are placed near the front door. The goodness of smell will surely make you feel hungry and keep your mood up!

Image Credits: pixabay.com

#7: RIGHT DAY TO SHOP

Interestingly, there is a “right” day to shop. Prices seem lower than usual during Tuesday and Wednesday. Moreover, you can get better discounts in the month of November. This month is so close to the Yuletide and year-end sales. You can also score good deals on January as retailers are trying to clear their stocks.

#8: RIGHT SIDE TO SHOP

Many grocery stores place popular items on the right side of the shelves to move shoppers from the left to the right. This is because all items throughout the store are strategically placed to follow the right path. Are you really saving more money by moving from left to right? Keep that in mind!

Sources: 1, 2, 3 & 4

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