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Save Your Hard-Earned Cash! Avoid These 8 Money-Wasting Mistakes!

From harmful habits to wishful thinking, certain financial decisions can cost you a fortune. There is an endless list of things you should avoid doing with your hard-earned money. Here are eight things you should steer clear of:

#1: BUYING ITEMS FOR THE SAKE OF ITS NAME

I have to admit, I am guilty of buying products based solely on their brand names. Let’s face it: stores and generic brands are frequently disregarded when it comes to cost savings. Whether it’s food, skincare products, or over-the-counter medicine, your local grocery or drug store typically provides more affordable store brands or generic alternatives.

Pay attention to the labels, as the ingredients are often identical to those found in expensive brand-name products. Furthermore, when it comes to prescriptions, consider asking your pharmacist for the generic version. These medications work just as effectively as their brand-name counterparts and can save you a significant amount of money.

#2: PAYING LATE FEES

Do you know what quickly adds up and drains your finances? Paying for late fees. Whether it’s a late payment on your credit card, utility bill, or rent, these fees are best avoided. Set up automatic payments for all your bills to ensure that you never miss a payment again. This way, you won’t have to worry about forgetting to pay a bill on time.

If you do find yourself with a late fee, try calling the company and politely ask for it to be waived. Many companies are willing to accommodate their loyal customers by waiving late fees.

#3: PURCHASING PETROL STATION SNACKS

The occasional purchase of snacks at petrol stations may seem harmless, but it can quickly become a habit that drains your money. Those bottles of soda and bags of chips you pick up when filling up your tank or making a quick stop can add up over time. To manage this, create a rule for yourself to track all those small snack purchases, and set aside a small monthly allowance specifically for indulging in them. When running errands or encountering tempting locations filled with snacks, make it a habit to bring your own drinks and snacks.

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#4: RENTING A BIGGER OFFICE SPACE

The COVID-19 pandemic has highlighted the viability of working from home, resulting in excess office space and rising occupancy costs for businesses. Instead of maintaining large office spaces that cater to the entire workforce, it is worth considering the utilization of co-working spaces and digital collaboration tools. Singapore offers a variety of co-working spaces, including Crane, Workbuddy, and Gather Cowork, with multiple branches nationwide. By adopting this approach, you can continue working efficiently while significantly reducing expenses.

#5: CO-SIGNING A LOAN

Never co-sign a loan you can’t afford! Financial blogger Michelle Schroeder-Gardner strongly advises against co-signing a loan for someone unless you have the financial capacity to fully repay it yourself. There is always a risk that the other person may be unable to make the payments, which makes it crucial for you to protect yourself and your finances.

#6: DONATING OVER THE PHONE

I remember when a friend of mine shared a story about getting scammed over the phone. It happened right after she had finished a night shift, and she was feeling groggy and vulnerable. Phone solicitations can often involve legitimate fundraising efforts, but they also create an opportunity for scammers to exploit the goodwill of unsuspecting donors. To ensure your safety, never disclose your credit card number over the phone. Instead, request the solicitor to send you the information by mail. This way, you can thoroughly research the organization and verify its legitimacy before making any contributions.

#7: OVERSPENDING ON LOTTERY TICKETS

Did you know that tourists can play TOTO in Singapore? If you have a valid Foreign Identification Number (FIN) and meet all the prerequisites, you can play TOTO as a tourist. However, if you are solely a foreign passport holder, you will only be able to select and bet on Horse Racing. This can potentially lead to overspending on lottery tickets for foreigners. Keep in mind that the odds of winning the lottery are incredibly slim, with your chances of hitting the jackpot being roughly 1 in 292 million.

Despite the unfavorable odds, many people still spend a significant amount of money each month on lottery tickets. Instead of consistently allocating your funds to this improbable endeavor, it would be wise to redirect that money towards savings or your retirement plan. Investing in your long-term financial success through savings or retirement planning is a more prudent use of your resources.

#8: BUYING COFFEE CUPS

Some establishments take into account the cost of disposable cups when pricing their beverages. However, by opting for a reusable to-go cup, you can often enjoy a “discount” because you won’t be charged extra for the paper or coffee cup.

Image Credits: unsplash.com

Sources: 1 , 2, & 3

How to Make the Most of Your Singapore Public Holidays in 2024

Travel enthusiasts listen up! Planning your calendar for the year ahead involves more than just noting important events and birthdays; it also means strategically utilizing public holidays to maximize your leisure time. Let’s dive into the public holidays for 2024 and explore how you can make the most of them.

The following public holidays in 2024 are worth highlighting:

1. Good Friday (29 March 2024): Falling on a Friday, this holiday presents an excellent opportunity for a long weekend getaway. Plan a short staycation or indulge in some much-needed relaxation.

2. National Day (9 August 2024): Another Friday holiday, National Day is an ideal time to celebrate Singapore’s heritage and enjoy the festivities. Explore local events, catch a fireworks display, or organize a gathering with family and friends.

3. Second day of Chinese New Year (11 February): Although this public holiday falls on a Sunday, it is worth mentioning as it provides an extended weekend. Take advantage of this time to immerse yourself in the rich cultural traditions and vibrant celebrations of Chinese New Year.

4. New Year’s Day (1 January 2024) and Hari Raya Haji (17 June 2024): Both these holidays fall on a Monday, offering an opportunity to plan a long weekend trip or engage in activities that rejuvenate your mind and body. You can even plan a short trip to BKK, JB, or Batam.

5. First Day of Chinese New Year (10 February): Celebrate the arrival of the Lunar New Year by participating in traditional customs, enjoying festive cuisine, and spending quality time with loved ones. Because the first and second days of Chinese New Year fall on Saturday and Sunday, the following Monday (12 February) will be a public holiday. Thus, your family can enjoy a long weekend of three days.

6. Hari Raya Puasa (10 April 2024), Labour Day (1 May 2024), Vesak Day (22 May 2024), Deepavali (31 October 2024), and Christmas Day (25 December 2024): These Wednesday holidays provide many opportunities to unwind, reflect, and engage in leisure activities that interest you (e.g., movie watching or outdoor cycling).

Image Credits: mom.gov.sg

Now, let’s address the important matter of remuneration for work done on public holidays:

A. Employees covered by the Employment Act are entitled to 11 paid public holidays as mentioned above. However, employers and employees may mutually agree to substitute a public holiday for another working day to accommodate specific circumstances.

B. Employees who are required to work on a public holiday are entitled to an extra day’s salary at the basic rate of pay, in addition to their gross rate of pay for that day. This recognizes the extra effort put in by employees during public holidays.

C. Employers also have the option of granting time-off-in-lieu, based on a mutually agreed number of hours, for employees who work on a public holiday. This provision applies to workmen earning more than S$4,500 a month, non-workmen earning more than S$2,600 a month, and all Managers and Executives. It allows employees to take time off on another day as compensation for working on a public holiday.

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As you plan your travels or leisure activities for the year, keep these public holidays in mind. Utilize them wisely to relax, explore, spend quality time with loved ones, or engage in activities that bring you joy and rejuvenation. Remember, strategically planning your leaves from work around these public holidays will help you make the most of your time off in 2024.

Sources: 1 & 2

5 Must-Experience Thai Fashion Brands, from GENTLEWOMAN to ASAVA

One of the most vibrant and trendy cities in Asia that captures the hearts of fashion-savvy Singaporeans is none other than Bangkok, Thailand. With its bustling streets and countless clothing stalls that remain open day and night, Bangkok has rightfully earned its reputation as a haven for fashion lovers. In fact, renowned personalities like Michelle Obama and Katy Perry have joined the chorus in praising Bangkok’s talented designers. It’s safe to say that Thailand truly embodies a paradise for fashion enthusiasts!

If you’re planning a trip to Bangkok or simply want to explore the country’s fashion scene, here are five Thai fashion brands that deserve your attention:

#1: GENTLEWOMAN

Shop: gentlewomanonline.com

Have you noticed the ubiquitous black and white totes adorning the streets of Singapore, proudly displaying the words “GENTLE WOMAN” in a striking giant Serif font? The GENTLEWOMAN tote bag has become a symbol of contemporary fashion, featuring a sleek black and white design with the bold “GENTLE WOMAN” inscription. Its appeal lies in its blend of style and substance, appealing to individuals seeking confidence and minimalism.

In Singapore, these striking tote bags have become a pervasive trend, reflecting the city’s fast-spreading fashion culture. Originating from Thailand in 2018, GENTLEWOMAN is a vibrant brand with 15 stores in Bangkok. Apart from tote bags, their collection includes stylish pants, trendy tops, fashionable hats, and more. As Thailand remains a popular destination for Singaporean tourists, many have visited GENTLEWOMAN stores, bringing back coveted souvenirs like the iconic tote bags for their friends back home.

Image Credits: facebook.com/gentlewomanstore

#2: ASAVA

Shop:asavagroup.com

If you are in search of sleek and timeless pieces, look no further than ASAVA. With a strong emphasis on elegance and sophistication, ASAVA perfectly encapsulates the essence of modern Thai luxury. Their designs boast clean lines, impeccable tailoring, and the use of luxurious fabrics, all contributing to a refined aesthetic that resonates with fashion connoisseurs.

ASAVA is renowned for their notable works, including the creation of uniforms for Bangkok Airways and BTS, as well as a range of high-end retail and hotel staff uniforms. Another interesting aspect of ASAVA is their long-standing role as a prominent manufacturer, having designed clothes for Miss Thailand Universe finalists for many years.

#3: BOYY

Shop: boyy.com

Have you heard of BOYY? BOYY, the world-renowned Thai handbag brand, was co-founded by designers Wannasiri “Boy” Kongman and Jesse Dorsey. Initially introduced in New York and Copenhagen, BOYY eventually returned to its roots and established its presence in Thailand. Fashionistas from Tokyo to Paris have been spotted flaunting BOYY’s signature leather buckle bags. Launched in New York by Canadian designer Jesse Dorsey and Bangkok native Wannasiri Kongman, the brand’s aesthetic strikes a perfect balance between femininity and masculinity.

Fashion-forward individuals in Singapore can indulge in the allure of BOYY’s powdery pastel colors, where sand-colored marble provides a backdrop for a captivating range of leather bags, loafers, and sunglasses in a multiple hue.

#4: KLOSET

Shop:lazada.co.th/shop/kloset

Since its establishment in 2001, Kloset has held a special place in the hearts of countless women, evident from the long queues that form outside their shops during sales. Under the management of Mollika “Kam” Ruangkritya, Kloset has earned a reputation as a celebrated designer brand that embraces and exalts femininity. Customers of all ages can discover collections tailored to suit their specific occasions.

Beyond offering fashionable and feminine clothing, the brand goes the extra mile by providing accessories, stationery, shoes, and other items under the name Kloset & Etcetera. Kloset shops can be conveniently found in prominent locations such as Siam Center, Siam Paragon, and more, ensuring easy access to their offerings.

#5: GREYHOUND

Shop: greyhound.co.th

Attention, fashion-forward Singaporean trendsetters! Prepare to be captivated by Greyhound.

Would you believe that Greyhound started back in 1980? The name itself was chosen to evoke an image of elegance, drawing inspiration from the graceful and loyal Greyhound dog, known as man’s best friend. As a renowned Thai brand, Greyhound has gained international recognition for its minimalist and edgy designs. Even their website exudes an undeniable coolness!

Image Credits: facebook.com/greyhound.original

Greyhound’s sophisticated apparel predominantly embraces blacks, whites, and greys. With the use of creative fabrics, daring cuts, and a refined color palette, Greyhound’s contemporary collections showcase sleek silhouettes and experimental designs, making a bold statement in the fashion world.

Sources: 1 ,2, 3, & 4

Why Did I Develop Allergies as an Adult?

Imagine the nostalgia of taking a bite of your favorite childhood snack, the very one your mother lovingly packed in your school lunchbox every single day. You eagerly anticipate the familiar crunchiness, but instead, your mouth betrays you with an irritating itch, and your throat feels uncomfortably scratchy. It’s a disheartening moment, realizing that you’ve developed oral allergies, a phenomenon that haunts adults more frequently, especially those with a history of seasonal allergies.

Allergies, my friend, are the handiwork of our body’s immune system, a complex dance of defense mechanisms. They stand apart from food intolerance or sensitivity, which arise when our bodies struggle to digest certain foods or food chemicals. In the intricate realm of allergies, our immune system kicks into action, producing a special warrior called Immunoglobulin E, or IgE, to combat the allergy symptoms. IgE is a messenger, a chemical emissary that travels to our cells, urgently conveying the message that we need a chemical defense against these foreign invaders. It’s a fascinating process, really. Allergic individuals tend to have elevated IgE levels in response to seemingly harmless environmental exposures, like innocent pollen particles drifting on the breeze.

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Now, let’s embark on a journey to understand how allergies come to life within us, mere mortals. Allergies can sprout forth at any stage of our existence. One factor that magnifies the likelihood of their emergence is the specter of family history. If even one parent carries the burden of allergies, their offspring face a 30-50% chance of walking the same thorny path. But wait, the stakes rise to a staggering 60-80% if both parents bear this burden.

Allergies can also develop later in life due to exposure to new allergens in the environment and changes in the immune system. This can happen anywhere from early adulthood, such as a person’s 20s, to their senior years, when they are in their 70s or 80s. The most common food allergies in adults include peanuts, fish, shellfish (e.g., shrimp and lobster), and tree nuts. Recently, sesame seeds have also emerged as a new allergen in some cases.

The most peculiar aspect of adult-onset allergies is that you can suddenly become irritated by an allergen that didn’t bother you yesterday. You may have been in contact with that allergen every day for years without experiencing any adverse effects. But now, you find yourself with a runny nose, itchy eyes, and uncontrollable sneezing whenever exposed to that allergen.

Some potential triggers for adult-onset allergies include:

1. Allergen exposure when your immune system is weakened, such as during illness, pregnancy, or a condition that compromises your immune function.

2. Limited exposure to an allergen during childhood. You may not have been exposed to high enough levels to trigger a reaction until adulthood.

3. Switching to a new home or workplace with different allergens. This could involve exposure to new plants and trees.

4. Owning a pet for the first time. Research suggests that allergies can develop after an extended period of not having any pets.

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The good news is that allergies can diminish over time. Even if you develop allergies as an adult, you may find that they start to fade away as you reach your 50s and beyond. This is because immune function tends to decline with age, resulting in less severe immune responses to allergens.

Sources: 1 & 2

How to Cut Your Expenses in Half and Still Live a Comfortable Lifestyle

As you strive to keep up with the vibrancy and dynamism of the Singapore workplace to sustain your daily needs, being intentional with your budget is crucial. Cutting your expenses in half while maintaining a comfortable lifestyle is achievable. Here are some hacks to help you save money and reduce your expenses.

#1: PREPARE HOMEMADE MEALS

At the onset of the pandemic, I started learning how to cook. Eating out can be costly, and making my meals at home helped me to be conscious of my spending and what I put in my body.

You can create a weekly meal plan using the ingredients you already have and make a shopping list of any missing items. Shopping online can also help you reduce costs through store vouchers and occasional sales. Opting to include more veggies in your meals can also lower your food costs.

#2: SHOP SMART

When shopping for groceries and other essentials, keep an eye out for deals and promotions to save money. You can also consider buying toiletries in bulk to reduce costs.

Additionally, you can explore shopping at local markets instead of big chain supermarkets. Local wet/dry markets offer a greater variety of options and provide an opportunity to haggle for the best prices. Gain freedom of choice while sticking to your budget!

#3: APPRECIATE DIFFERENT ART FORMS

Singapore offers a wealth of free or low-cost entertainment options, such as museums, festivals, and parks. Take advantage of these options instead of costly activities like shopping or hotel hopping.

Furthermore, review your monthly expenses to see if there are areas where you can cut back. For example, you could cancel your cable TV subscription and retain your Netflix subscription only.

#4: COMMUTE WITHOUT CARS

With a reliable public transport system that continues to expand, you can easily ride buses and trains on a regular basis. Consider using public transportation instead of owning a car, which can be subject to high taxes and fees.

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Not to mention, you would also have to maintain the vehicle’s condition and regularly purchase petrol.

#5: EAT THE LEFTOVERS

Don’t let your dinner leftovers meet a moldy end in the back of your fridge. Forgetting about them wastes both money and food. Instead, consider enjoying them for lunch the next day or incorporating them into a new dish, like egg fried rice. With a bit of creativity, you can spruce up your egg fried rice by adding leftover rice and other ingredients to make Uncle Roger proud!

#6: SWITCH TO REUSABLE ITEMS

Make a positive impact on your wallet and the environment by ditching disposable items like paper towels, sandwich bags, and single-use water bottles. Instead, opt for reusable alternatives.

For example, a pack of paper towels can cost around S$4.50 at FairPrice, while a hand towel from the same store is only about S$2.90. By switching to a reusable hand towel, you’ll save S$1.60 right off the bat and get many more uses out of it. Plus, using the hand towels you already have tucked away instead of grabbing a new paper towel sheet every time you make a mess means fewer trips to the store and less waste in the trash bin. It’s a minor change that will benefit you in the long run.

#7: STEER AWAY FROM COSTLY HOUSING

One of the biggest expenses for most people in Singapore is housing. To reduce your housing costs, consider living in a less expensive area or finding roommates to share the rent with. Downsizing to a smaller flat or house can also be a viable option.

Yes, you need shelter, and you want to live in a lovely place with amenities. While these factors are important, you don’t want to spend so much on your housing that you can’t achieve your financial goals.

#8: AVOID USING CREDIT CARDS

For everyday expenses, avoid using credit cards. Remember that interest rates can be high. Instead, consider using cash or debit cards to keep track of your spending and avoid accumulating debt. By being mindful of your spending habits, you can achieve your financial goals and avoid the burden of credit card debt.

#9: CREATE YOUR OWN THINGS

Don’t spend money on things that you can make yourself. Search for DIY tutorials on YouTube, Pinterest, and social media platforms to create your own soaps, household cleaners, ant killer, rugs, and face scrubs. The possibilities for home DIY projects are endless!

#10: OPT FOR CHEAPER ALTERNATIVES

Cheaper alternatives for products and services are readily available but finding them requires some research. For instance, you can save money on handphone plans or other service subscriptions by choosing more affordable plans or cancelling unnecessary subscriptions.

When it comes to cleaning supplies, medications, and groceries, opting for store or generic brands can help you reduce your expenses while still getting quality products. You can also choose to splurge on a few select items to treat yourself.

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With a dash of foresight and smart decision-making, you can enjoy the Lion City’s luxuries while staying within your financial means.

Sources: 1 & 2

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