5 Efficiently Quick Ways To Beat Financial Stress

These days, there is no shortage of reasons why people are anxious about money. From higher unemployment rate to expensive school fees, everyone has their own share of financial stressors. And these accumulated stress can be detrimental to one’s health when not managed.

On that note, here are simple ways to conquer your inner beast:

1. DETERMINE WHAT STRESSES YOU OUT

Spare at least 10 minutes of your time to identify what triggers your financial stress. Whether it is dealing with your horrific credit card balance or realizing that you are barely hanging onto your job, write down your three greatest financial stressors at the moment. It is important to keep the list short to avoid feeling overwhelmed.

2. CHANGE YOUR MINDSET

Staying positive in a seemingly challenging financial situation can help you get your thoughts together and motivate you to change. Rather than mourning about your piles of debt, visualize how great your life can be with less of them. Then, repeat an internal dialogue that aims to conquer that stressor. For instance, you may vow to spend about S$100 less each month in order for you to pay more for your debts.

3. FOCUS ON SMALL AND SUSTAINABLE GOALS

You do not have to beat your financial stress head-on immediately. Just as crash diets can lead to burnout, overly ambitious financial goals can lead to quitting. So sustain your goals by identifying what you can actually achieve each day and each month.

4. REWARD YOURSELF

Set a realistic budget and reward yourself for sticking by it. Alvin Hall, an author and a financial commentator on BBC TV, once said that a helpful way to lower your stress is to purchase something that has a long-lasting positive personal effect…for the least amount of money. Personally, visiting museums that display exceptional art uplifts my spirits while costing me S$0-20 only!

If you cannot think of any rewards right now, consider reading this guide: “36 Things You Can Do In Singapore, Aside From Spending Too Much Money”.

5. WRITE DOWN WHAT YOU ARE GRATEFUL FOR

Before you fall into a deep slumber, write down at least three things that you are thankful for. This changes your focus from your financial stressors to the beautiful things that you might have taken for granted throughout the day. It does not have to be a big thing!

This quickie activity is focused on giving you a positive strategy to cope with life’s difficulties.

Image Credits: pixabay.com (CC0 Public Domain)

Image Credits: pixabay.com (CC0 Public Domain)

If all else fails, do not hesitate to seek help from your friends, family, or financial professionals.

Sources: 1, 2, 3, & 4

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Trending Instagram Hobbies Within Your Budget

Where else can you showcase your coolest talents, delicious meals, cutest pets, greatest adventures, and oddest interests better than at Instagram (IG)?

As I browse through my IG feed, I noticed these 5 hobbies that are within each individual’s tight budget:

1. EDITING

Some people are naturally gifted with visual arts while others see it as a hobby that they have to practice. If you want to share your beautiful memories captured on portraits, showcase your photography and editing skills on IG.

Fit in the crowd by ensuring that you edited your photos with extra filters and finishing touches. Use this “4 Free Photo Editing Apps” list to help you out!

2. SINGING

I have to admit, a bunch of my IG friends are good at singing. And a fun way to get their followers connected is by posting a preview of their “full cover/song video” and linking it to their bio.

For emerging and establish artists, it is a no-cost way to advertise and stay in touch with the fans.

3. EATING

Some people love to watch movies as much as others love to read books. But my favorite people love to go on “food trips”. To be on a food trip means that you are on-board a stimulating and exciting food experience. Whether it will be a good or a bad one, you can easily post your food photography or video clips on IG for your friends to see.

4. CRAFTING

On the top of making a Facebook page of your artworks, you can manifest your artistic side by posting it on IG. This can not only support your passion but also boost your followers and your brand. You can either show daily clips of your artwork’s progress or make a short timelapse video of it from start to finish.

5. SHOPPING

If your interests involve window shopping (like many Singaporeans), take it up a notch by virtually browsing on IG. Save time, effort, and money by looking through a range of local labels while at home. Check out @gsews for bags, @wontyouburnbitch for accessories, and @lovebonito for clothes!

Screen-grabbed from instagram.com/lovebonito/

Screen-grabbed from instagram.com/lovebonito

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4 Absolute Ways To Spend Less and Save More This Valentine’s Day

Think your wallet can rest after the costly festivities of Christmas and Chinese New Year? Think again as we usher the season of love!

While Valentine’s Day is a great way to appreciation and affection to your significant other, I cannot deny the fact that the anticipated costs may cause a hole in your pockets. This year, however, you can turn things around if you are willing to put in creativity, time, and flexibility.

1. SAVE THE SPARKLES FOR LATER

If you are planning to purchase jewelry for your beloved, try to clamor dry out first. Since the demand for jewelry goes way down after 14th February, the retailers offer discounts to attract customers to buy their remaining products.

The only downside is that you have to discuss this with your partner in advance and seek his or her understanding.

2. AVOID THE CROWDS

Valentine’s Day 2016 is on a Sunday and more than ever, shopping malls and restaurants will be populated. Most places are jammed with couples and women holding on to their bouquets or stuffed animals. Beat this “competition” by scheduling a wonderful date on another day as long as your significant other is fine with it.

By doing so, you had avoided the crowd and maximized your savings.

3. OPT FOR AFFORDABLE FLOWERS

Since some people prefer getting blooms for Valentine’s Day, you would have to plan beforehand. Save money by skipping high-end or mainstream florists. Instead, visit your local grocery store or compare the prices of various online flower shops.

And if you are in the Gardens By The Bay area, I was got a bouquet of orchids there for only S$5.

4. CRAFT YOUR GIFTS BY HAND

What better message of love can you convey when you pour your heart on handmade gifts? Consider these gift ideas:

a. COOK TOGETHER

There is nothing sweeter than sharing your interests to your partner. If you are a fan of cooking and baking then, teach him or her the basic recipes and techniques. But, if neither of you have an expertise, lookup free online tutorials and prepare a V-Day dinner together.

b. SPECIAL CARD

Bring your wonderful memories to life by turning photos into very personal V-Day card. 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: pixabay.com (CC0 Public Domain)

Image Credits: pixabay.com (CC0 Public Domain)

Sources: 1 & 2

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Best Places To Buy Affordable Bags In Singapore

(Image Credits: planthide.com)

English model Poppy Delevingne once said:

“I’m more of a handbag girl; my guilty pleasure is bags. I don’t even have a clue how many I own.”

Like Poppy, many Singaporeans have an undeniable fondness for bags. A bag is a statement piece not only because it blends your outfit together but also because it often sheds a light to your personality. With its importance and functionality, you may wonder about the best places to find reasonably priced bags.

Wonder no more as this list has you covered!

FOR EVERYDAY BAGS

Any person with a tight budget would know that one of the best places to shop at Orchard Road for standout ensemble is the Far East Plaza. With about 6 floors, this building is filled with bargain deals for just about anything you can wear! So for everyday bags priced as low as S$15, focus on the shops at levels 1-3.

FOR PERSONALIZED BAGS

If you like adding a personal touch to your bags then, you will love what GSEWS has to offer. GSEWS’ bags are handmade by a local self-taught crafter whose pricing strategy is set according to the materials and time spent while making each item. This is such a fair trade because you can customize a unique design based on your preference in colors, fabrics, and add-ons. Limited customization slots are up for reservation every 4th Sunday of the month.

Image Credits: https://carousell.com/gsews/

Image Credits: carousell.com/gsews

However, if you want to purchase the ready-made items, prices start at S$8.

FOR WORKPLACE BAGS

ZALORA Singapore comes to my mind whenever I think of workplace suitable bags that create a balance between shape, function, and affordability. Known for its wide range of international and local brands available at several countries, ZALORA is one of the top online retailers that sell bags, accessories, shoes, apparel, and beauty products for both men and women.

Here, I found a well-structured tote bag for S$34.90 as well as an adorable set of Cosmetic Bags for only S$10. Who does not need these organizational convenience at work?

Image Credits: www.zalora.sg

Image Credits: www.zalora.sg

As for, I recommend the Medium Size Messenger Bag for S$16.10 and the Canvas Laptop Carrier for S$14.90 only.

 

BONUS: FOR LUXURY BAGS

Luxury bags are not exactly affordable however, you can still find some reasonably priced items if you know where to look. With prices that are over 80% lower than the retail price, how can you resist an online bargain deal? Consider these shops:

a. www.reebonz.com.sg: Reebonz offers the widest range for both new and pre-loved designer bags, wallets, and watches. From Chanel, YSL, to Louis Vuitton bags – they have it all!

b. www.brandsfever.com: Getting a great bag deal at the Brands Fever’s flash sale is like hitting the jackpot. But you have to be a site member to indulge all its benefits.

c. www.madammilan.com.sg: Madam Milan not only has an online shop but also physical boutiques in Far East Plaza, Raffles Place MRT, Tanjong Pagar MRT, and Star Vista. They offer prime selections of designer labels islandwide.

 

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Affordable Valentine’s Day Ideas For Adrenaline Junkies In Singapore

Valentine’s Day is a special occasion wherein you get to show your affection and to reconnect with the people you care most for. Whether you are celebrating with your spouse, your girlfriend/boyfriend, your group of friends, your family, or yourself – go on an adventure this Valentine’s Day with this fun activities that cost under S$55…

1. FOR THE EXTREME COUPLES

Aside from riding roller coasters, taking your date on exciting and seemingly dangerous situations can boost the levels of hormones that are mainly responsible for making people fall in love or feel euphoria.

This is why, couples may consider the extreme surge of G-MAX REVERSE BUNGY or GX-5 EXTREME SWING at Clarke Quay. These two rides designed in New Zealand, the home of Bungee, to ensure it is 100% safe. The G-MAX Reverse Bungy catapults you up to 200 km/h in a steel capsule while the GX-5 Xtreme Swing acts like a giant swing that speeds up to 120km/h. What a thrilling experience indeed!

One ride costs about S$45 (different student rate applies)

2. FOR ALL THE “SINGLE” SQUADS

For all the single people who decide to celebrate together as a powerful group, take on an enjoyable challenge by playing Bubble Soccer. 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 date with your friends can surely bring loads of laughter as you start the full-on bouncing action just to score a goal. A casual fun game including 10 bubble suits, 2 facilitator, equipments, and photography starts with S$15/pax (i.e., 20 people). For more information, visit: www.bubblebump.sg.

3. FOR A FAMILY DATE

If you cannot leave your kiddos this February 14, try to bring them along on a fun date at a water amusement park. One of Singapore’s largest water theme parks called “Wild Wild Wet“ offers exhilarating rides at inexpensive prices. As Valentine’s Day fall on a Sunday, it follows the peak price of S$24 for adults and S$17 for children and senior citizens. While, toddlers are free to swim all year round! Cheaper prices are in store for NTUC members and Plus! cardholders.

Once you are there, brave the rapids with Ular-Lah, make your way to wacky the crazy turns of The Waterworks, and so much more. Also, you may take part in their online contest (until February 8) to win exclusive Wild Wild Wet prizes!

4. FOR SELF LOVE

Being #ForeverAlone on the day of hearts does not give you the free pass to sob on the corner. Instead, try something new and exciting by taking the leap of faith. If you happen to be in Sentosa, do the “ParaJump” attraction including the Jungle Ride for S$19. ParaJump replicates a free-fall parachute jump through its safety harness and experienced staff.

I have to admit…I am fearful of heights but after trying this, I felt a surge of fulfillment and happiness. Beyond the fear, the experience was unforgettable.

Image Credits: instagram.com/agoncilloanna

Image Credits: instagram.com/agoncilloanna

Sources: 1, 2, & 3

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