Boost Your Financial Life By Creating A Reverse Bucket List

Whether you want to lead a simple life or an extravagant one, having financial goals gives you direction. It steers your focus on the things that you want to achieve at a particular time-frame. It has the power to make you more hopeful about the future.

However, having financial goals may not work for everyone. You see, others can get frustrated upon seeing the milestones that they have not achieved yet. Do not worry! There is a solution. Look at the brighter side of your financial life by creating a reverse bucket list.

What is a reverse bucket list exactly? For starters, it is a list of goals and achievements that you have already met. Apply this ideal to your finances to reap its benefits.

REVERSE BUCKET LIST HIGHLIGHTS PATTERNS

Creating a reverse bucket list gives you an opportunity to pinpoint your spending and saving patterns. Use your observations to improve your financial circumstance.

For instance, you may notice that most of your spending falls under skincare and cosmetics. Consider signing up for Sephora’s loyalty program to maximize your discounts. Alternatively, you may indulge in the affordable homegrown products brought by Shophouse Sixtyfive and Katfood. Shophouse Sixtyfive sells handmade lip balms infused with essential oils, vitamin E, and plant extracts. What’s more? These balms, such as Sir Stamford (S$9.80), have a local twist too.

Now, let’s move on to Katfood. Its playful name says a lot about its interesting background. You see, Katfood aims to create beauty products out of ingredients that you can actually eat. Everything is handmade with no preservatives and are infused with organic and raw elements. Its Cuckoo For Cocoa Dry Shampoo ($13.90) includes ingredients such as coconut flour and cocoa powder.

REVERSE BUCKET LIST MARKS YOUR MOTIVATION

Whether you like it or not…setbacks happen. You cannot be fully in control of your finances all the time. This is where motivation comes in. Motivation propels you to continue on this journey.

Seeing the list of financial achievements you have cemented will transform your motivation into manifestations. You will remember where it happened, why it happened, and how it happened. Making this list will enable you to see your financial situation realistically.

Image Credits: pixabay.com

As I said, you will experience some obstacles along the way. These obstacles do not reflect your financial capabilities or intelligence. Instead, these are merely challenges that you need to learn from. Keep moving forward!

Source: Wisebread

Read More...

Dark Attitudes On Money

“You can only become truly accomplished at something you love. Don’t make money your goal. Instead, pursue the things you love doing, and then do them so well that people can’t take their eyes off you.”
– Maya Angelou

Maya Angelou is right. Sprinkling love in what you do attracts accomplishments and money. Our attitudes towards money play an important part in either attracting it or driving it away.

Growing in a supportive environment where you can talk about money matters openly will enable you to attract money in various ways. On the flip side,it can be more difficult to attract money if you are underestimating your skills. Moreover, dark attitudes toward money can contribute to the lack of self-esteem and motivation.

Having a negative attitude towards money will hinder you from tackling opportunities and will steer you to make errors in your judgement. These may cause you to lose money in the process. Hence, it is important to identify your money attitudes.

Here are just some negative attitudes that you should stop:

I DO NOT DESERVE MONEY

Believing that you do not deserve money or that money is the root of evil causes you to avoid money. For people with this attitude, money can evoke feelings of anxiety and disgust.

I PRAISE MONEY

Believing that money can solve all your problems is a bad attitude to have. People who are trapped by this “money worship” attitude can carry an outstanding debt. Greed can course through your veins when you worship money too much.

I AM DEFINE BY MY WEALTH

Believing that self-worth is tied to your net worth is unhealthy. You can keep up with others as much as you want, but you cannot be fully satisfied.

I AM SECRETIVE ABOUT MY FINANCES

Lack of openness in one’s finances can potentially brew an issue between couples. While people with this attitude are often financially stable, they often do not allow themselves to enjoy the benefits of having money. Extreme cases of having this attitude can lead to under-spending and hoarding. Talk about extreme cheapskate!

Sources: 1 & 2

Read More...

myCK celebrates its anniversary with loads of deals and giveaways from 16 May – 15 Jun 2019

Stock up for your home with myCK

Lots of items are going on discounts in myCK’s 22nd Anniversary Sale happening from 16 May to 15 June 2019. myCK, one of Singaporean’s favourite place to shop for personal care, household products and apparels, will be offering many products on sale and will be throwing in additional gifts on your purchase. You can find whatever you need from laundry detergents and toiletries to body and hair care products.

Gift with Purchase

Get more value for your buys from myCK’s Gift with Purchase. Don’t miss out — these freebies from free glass container to shopping trolley and more.

1. FREE Glass Container

From 16 May – 15 Jun 19, spend $35* or above to redeem a 700ml glass storage container that is microwave and dishwasher safe, and can withstand temperature up to 400°C.

2. Free Shopping Trolley (worth $13.90)

From 16 May to 15 June, bring home a Shopping Trolley when you purchase any 6 participating products (see below) at myCK. While stocks last. T&Cs apply.

  • Dove Body Wash 1000ml
  • Clear Shampoo Men / Women 700ml
  • Lux Shower Cream 950ml
  • Lux Luminique Non-Silicone Shampoo / Conditioner 450g
  • Sunsilk Shampoo / Conditioner 650ml
  • Lifebuoy Body Wash 1000ml
  • Dove Shampoo / Conditioner 680ml
  • Persil Laundry Liquid 2.7L/3L
  • Persil Laundry Powder Detergent 5kg
  • Comfort Softener 5L
  • Breeze Laundry Liquid 3.6kg/3.8kg
  • Breeze Laundry Powder Detergent 3.6kg

3. A set of containers (worth $12)

From 16 May to 15 June, receive $5 instant rebate and a set of containers when you spend $50 or above on fashion & bed linen products at myCK. While stocks last. T&Cs apply.

Anniversary Special

Celebrate their 22nd anniversary with great savings on their $2.20 and $22 deals.

Don’t miss out on future deals. Click to join myCK’s WhatsApp Broadcast for monthly deal alerts.

Remember to replace <Name> with <MD/Your Name> in the opt-in message so myCK will know that
you come from our post 🙂

Click here to find the nearest myCK’s store.

Click here to check out more deals from myCK Anniversary Sale

 

 

Read More...

Staycation Ideas That Won’t Break The Bank

By definition, staycation is a holiday taken at home or near your own home. Taking a much needed rest after countless hours of work is truly rewarding. However, the thought of spending on your short vacation may pull you back. Fret not! Budget or time constraint will not stop you from traveling within the wonders of our country.

STAYCATION FOR THE FAMILY

There are two local hotels that offer family packages perfect for a staycation. These hotels are Park Hotel and Village Hotel. The former entices you with two rooms for the price of one! What’s more? Park Hotel Clarke Quay has an exclusive family package that enables children under the age of 12 to stay there for FREE! This package includes breakfast, complimentary kid’s meals, in-house amenities, internet access, and weekend room upgrades. Book a room at parkhotelgroup.com to spend more time with the ones you love.

Now, the latter emphasizes on the nostalgic aura exuded by the Village Hotel Katong. For a little over S$250, you may enjoy a memory-inducing accommodation for two adults and two children. Take your children to the olden days by playing a free Singaporean family game set or by immersing yourselves in authentic Peranakan high teas. This ultimate staycation embodies the #throwback that Millennials overuse today. Booking period for this package is until December 30, 2019!

STAYCATION WITH FRIENDS

There are two ways to go about it – you can either camp out or slumber in. For camping out, you may consider forming a tent at East Coast Park. Skate or cycle your heart away, before indulging in a barbecue feast or picnic by the view. Having no bicycle is not a problem as you can rent from there.

For squads who prefer staying in, you may consider staying at Hotel G or Hotel Mi. Hotel G’s wide selection of 308 rooms are categorized from Good to Greater. Oh! I forgot to mention the affordable rates that start from S$128. The place is a surefire steal considering that it is nestled between Bugis and Dhoby!

I am sure that you are wondering about Hotel G‘s aesthetics. The rooms are decked out in an artistic or rather vintage-style manner. Its gym sways to the industrial design with its grey brick walls and monochromatic portraits. Burning calories through the punching bags, treadmills, and cycling machines is tiring. So, relax at the bar called Ginett. It serves up French wines that cost about S$6 at least.

Lastly, you may score a room for about a hundred-dollar a night at Hotel Mi. It stretches your buck as you can enjoy the in-house amenities such as the pool and the gym. The rooms are airy with a delightful modern look. However, the real steal is its superb location. It is merely a minute away from the Downtown Line. Spoil your options at it is surrounded by a slew of cafes, marts, and stores!

Image Credits: pixabay.com

Sources: 1 & 2

Read More...

How To Not Waste Your Money On Valentine’s Day

How can Singaporeans express their love in the sexiest way on Valentine’s Day? Well, they can do the seemingly impossible feat of spending less and saving more.

Enjoy a fruitful experience without breaking the bank using the following tips.

COOK FOOD AT HOME

For the first time, my significant other has offered to cook for me on Valentine’s Day. It is a sweet and intimate gesture that maintains his frugality as well. Much like him, you may offer to make a limited edition menu together. It is better than braving any crowded restaurants or bars nearby!

Excitement starts with planning your favorite indulgences as one. If you have no time to spare, you may have the food delivered to your doorsteps. However, please prepare the table setting and reconnect over that. What a great way to end a nice evening!

OPT FOR THE NON-TRADITIONAL

Who says Valentine’s Day can only be celebrated through expensive romantic excursions and gifts? There is no reason to settle for the traditional route. It is fancy and overly hyped. Instead, you may do something that is out of the ordinary.

Visit museums, parks, or zoos (e.g., Jurong Bird Park with tickets starting at S$30 each). These options are fun and less expensive. You may also go for a lunch date instead of a dinner. Lastly, skip the cinema by watching a movie at home. I am talking about Netflix and Chill, baby!

CHOOSE THE FLOWERS RIGHT

Taking a leaf from the traditional book is the giving of flowers. When choosing a stalk or a bouquet of flowers, you must look for the ones with tight buds.

Image Credits: pixabay.com

It is your job to look for flowers that do not “look good” at the moment. You see, they will blossom in a few hours and will stay that way for the days to come. In contrast, flowers whose buds are already opened will only last for a day or two.

REPLACE THE DUDS

When it comes to giving gifts on February 14, you must choose the best! Do not be afraid to take items back to the grocery store whenever necessary. You do not want to cook pasta with expired tomato sauce!

Moreover, you may ask to replace some of the flower buds that seem dull. If you have taken all these advice and they die early, you may want to request for a replacement.

DO NOT PAY FOR CHAMPAGNE

Many people cannot tell a good booze from a bad one. So, why bother? Expert Dawn Sandomeno suggests, to “keep the cork on the Champagne and pop the Prosecco”.

Image Credits: pixabay.com

For those who are not familiar with its origins, Prosecco is a sparkling white wine from Italy. It know for being not too sickeningly sweet. Much like your love, I suppose. A glass of this starts at S$10 in our local bars.

Sources: 1 &2

Read More...