5 Ways to Have A Luxury Romantic Vacation

Right after getting married, you both want to explore the world with love.

You might have decided the list of places you want to visit with your spouse, but she might not have agreed on some locations she doesn’t like, or she visited already. So, in this situation you both better have a detailed meeting and create a list of places you both want to explore.

The next concern that would raise its head is how you both can make your honeymoon full of life and romance; this is not even the hard nut to crack because we have got 5 ways to make your trip luxury and romantic.

1. Make Sure It Is Heartfelt
Your enchanting trip should be heartfelt for both of you. What this means is, if you really want to visit the Andes and discover about the Atacama people, but she doesn’t like it, then don’t try to make that your romantic journey.
Find a thing that is going to be special for both of you.

One reason why you’re together is actually that you share similar likes and dislikes on some levels. Find all those parallels and search for a special experience that can complement those.

You can experience some adventures in your own state or area. Therefore, you don’t need to make a huge investment decision to go somewhere exotic. You can easily create that unforgettable, enchanting trip and save your valuable money.

2. Research Online
Search engines like google today is a great source to find destinations. In past times, you would have to get in touch with a tour operator or go to the local library to find details about vacation spots. Today, you just visit google.com, type in the search terms for example “romantic places in Singapore” and click the search button.

You can easily search for some romantic vacation trips in your neighbourhood or even find a location that is thousands of miles away. You can also find the best prices for each trip depending on the distance and facilities provided by the tour operator.

The online world can certainly help you define your choices based on your capacity to pay, exactly where you wish to go, and what you want to do.

3. Increase Your Savings
If you want to go outdoor next year, then you better increase your savings now. By putting away a modest amount of money regularly, you’ll have the ability to pay for a truly passionate getaway without having to be concerned about expenses. You really want your adventure to be unforgettable with romantic, happy memories, but not with nerve-racking anxieties about how exactly you’re planning to pay for every little thing.

Most of the couples spend a lot in the local parties and outings. Well, if you want to go somewhere away from your world and enjoy the different and adventurous experience then saving money right after your marriage will be the best bet for you.

4. Gear and Equipment Are Important
It is best to buy the right travel equipment and gear while you leave for your first adventure, and most of the other items that you may need must be in your luggage as well.

Most of the sites provide a list of important items which are needed mostly for some places around the world. For example, if you are heading to Bali, then bringing some bikinis, colourful beach hats and beach sandals will be the necessary items.

You are a newly married couple, and you don’t want to leave a formal touch in your dressing the way you were both in your wedding function. Well, trust me, that would look awkward. You don’t have to dress up formally when going out for the trip, just think about some easy to wear and easy to carry stuff. Go for small sized things such as travel outfits or footwear, baggage, accessories; all are available in the market specifically designed for backpackers or travellers.

5. Spend Money on Experiences but Not on Material
Do not forget that your experience is a lot more important than what was bought. So, spend on your special experiences during the romantic trip instead of concentrating on buying the things.

A honeymoon trip is a once-in-a-lifetime experience, and you don’t want to lose it. Saving right after you got married counts a lot because it is a common rule of nature that responsibilities start knocking the door when it comes to managing a happy married life. There will be a long list of basic expenses, and you may never make your trip happen later in your life.

Just make your getaway a thing you’ll both remember. You will certainly be thrilled to do another one.

 

 

Read More...

How Do You Choose Between Love And Money?

As I was listening to Frank Sinatra’s song entitled “Love and Marriage”, I realized how different we perceive marriage today. The song highlights how marriage cannot exist without love. These two elements were believed to go together like a horse and a carriage. These days, marriage does not depend on the presence of love.

When Singaporeans are given a choice to weigh between the importance of love and marriage, answers will vary. Firstly, Singaporeans are heavily goal-oriented. They will ask you about the gains that they can reap when doing a specific task. Very few people will do something without asking what is in it for them. Perhaps this is due to the competitive education system or the exhausting high cost of living. There is simply no time left to mess around! Either way, the goal-driven mentality leaves little room for flexibility in a relationship. People constantly ask themselves what they can achieve within a potential relationship.

In addition to reaching their goals, Singaporeans are motivated to move out of their parents’ home. The primary obstacles blocking their paths are the housing laws governing the HDB properties. You see, only singles aged 35 and above can purchase HDB properties. Another alternative is to tackle the overwhelming prices of private properties and monthly rents. This is why many couples see marriage as a way out!

Say that you are waving the flag of commitment. Couples are given six months to tie the knot upon receiving keys to their new property. Otherwise, you can face a major monetary loss. Keep this in mind when deciding to propose.

Image Credits: pixabay.com

Personally, I see how money leans on love and vice versa. You have to make a living at some point. No matter how smitten you are about this person, one or both you need to do something to pay the monthly expenses. Money is important to make your marriage work. Yes! Money may not be able to buy your happiness, but you can use your free time to work on things that you are passionate about. Lastly, things you do solely for love can be transformed into profitable ventures (e.g., passion projects).

Ultimately, taking control of your life is a choice. You get to choose how you spend your money. You get to choose whom you will spend it with. You get to choose who and what you will love. Hence, your challenge is to create a lifestyle that gives you freedom.

Sources: 1 & 2

Read More...

How to Protect Your Assets in a Divorce

Divorce – it happens to the best of us. Statistics show that in the UK there were 106,959 divorces of opposite-sex couples and 112 divorces of same-sex couples in 2016 alone. Although it is, of course, very sad to go your separate ways, it’s important to remember that your assets must be protected in divorce proceedings.

Here are a few words of advice about how a divorce doesn’t necessarily mean that you’ll automatically lose half of your assets. Here’s how you can best protect your finances in divorce proceedings:

Don’t Let Emotions Cloud Your Judgement

There’s often a lot of hurt feelings that come hand-in-hand with divorce. However, when it comes to protecting your finances, there’s no room for emotion and ultimately, playing a game of ‘tit for tat’ could be bad news for your assets.

Divorce isn’t cheap and sending short letters to each other through your divorce lawyers about trivial matters could end up costing you hundreds of pounds. Be savvy with your money and pick your battles carefully.

Get Your Property Valued

Almost all property can be divisible in divorce proceedings so the only way to get ahead is to know what your property is actually worth. How else will you get your fair share when you come to part ways?

Dividing your property is always going to be a complex arrangement, especially if you have contributed different amounts to your household. Take time to understand how your home can be divided, whether it’s putting it up for sale or arranging a buy-out.

Get to Know Both of Your Finances

In many households, there’s often one person who manages the majority of the finances and this creates a power imbalance when you’re negotiating settlements. Make sure you know both of your finances thoroughly – any hidden debt that’s incurred during the marriage could be owned by the couple, even if only one spouse signed the paperwork.

This is incredibly complicated so you should protect yourself by seeking advice from your divorce lawyers. They can advise you on how to make informed financial decisions when filing for divorce.

Also, consider your biggest assets – many people think it’s property but it could be a pension account. Bear in mind the court may take into account its future value when dividing assets, which would certainly affect you financially.

Consider Mediation

Mediation is the most cost-effective way of negotiating a divorce. It could help you reach an agreement by yourselves through direct discussions and allow you to negotiate a deal that works for you.

This could help you save money, although you may still need some independent legal advice tailored to your unique circumstances. This could include advice on financial proposals, the information you need, whether the practical arrangements will work and all of the necessary parts of your divorce settlement.

Mediation is an empowering way to keep some level of control over the proceedings and make sensible decisions after all the options have been discussed with your ex-spouse.

If you’re going through a divorce and you’re concerned about how it could affect your financial affairs, follow our tips on how to be smart with your assets even when emotions are running high. These can help you protect yourself and your future, to help you look forward to a positive new start.

Read More...

Surefire Ways To Save Money On Diapers In Singapore

For many Singaporeans, purchasing baby products is a costly affair. Do not get me started with diapers! These product end up on the rubbish bin on a regular basis. So, is it worth all the money?

Since diapers play a vital role in your baby’s grooming, you must get creative in shopping. Try the following tips!

#1: GO BACK TO BASICS

As a child, my mother devotes her time on changing my cloth diapers. The ones I used were passed on to my siblings. Cloth diapers are washable, adjustable, and suitable for sensitive skin. Taking a step back to the old school routine can help you save years worth of cash.

Anything that you can reuse or recycle is a bonus for your wallet. Disposable diapers contribute to your monthly expenses. While, washable diapers can last you for years. Consider purchasing the six-dollar cotton diapers from Lazada.

#2: BE SLOW IN CHANGING SIZES

Diapers come with suggested weight per size. It comes as no suprise that bigger diapers are more expensive. Furthermore, it contains fewer pieces per package. This is why you must take things slow when switching sizes.

The numbers on the cover are merely suggestions. Some children could wear sizes beyond the time suggested on the package. Instead of going with what the company recommends, change sizes once you see a significant amount of leaks.

Image Credits: pixabay.com

#3: LOOK AT THE PRICE PER DIAPER

Diapers come in different brands, sizes, and quantities. More often than not, you judge a brand by its price tag. Instead of looking at the price per package, look at the price per piece! This way, you will be able to access whether you are paying for the cheapest diaper price.

For instance, your child requires a taped diaper in small. Pampers offers 82 pieces for S$24 (i.e., 0.29 each). While, Merries offers 54 pieces for S$20.95 (i.e., 0.38 each). Which one is a smarter choice?

#4: PURCHASE IN BULK

When it comes to disposable diapers, it is best to buy in bulk. Bulk purchases are cheaper compared to buying per package. Some stores even offer additional discounts for bulk purchases.

Image Credits: pixabay.com

Do not fret about wastage. You will go through countless amounts of diapers once the baby is out!

Sources: 1 & 2

Read More...

Sensible Strategies To Split Expenses with Your Partner

There is truth to the idiomatic expression – “it takes two to tango”. With a relationship that spans for nearly a decade, I came to realize that giving and taking is an essential element to success. Arriving at an agreeable place avoids potential conflicts from rising. Compromise is vital when it comes to financial matters.

Who would be primarily responsible to pay the bills or to account for outstanding debts? Use the following strategies to help you split the expenses.

STRATEGY #1: DOWN IN THE MIDDLE

Living together entails the discussion of bills, loans, and other expenses. The most concrete way to divide an expense is to split it in half. From groceries to rent, you may share the household responsibilities by contributing an equal amount of money.

Keep track of your purchases and bills by creating a document or a spreadsheet file. You may want to consider setting a monthly price threshold to avoid conflicts.

STRATEGY #2: SET A PERCENTAGE

If you and your partner belong to similar salary divisions, the first strategy is beneficial. However, it can be difficult to split everything by 50-50 if you belong to both ends of the salary spectrum. Contributing S$1,000 per month to the household expenses may mean nothing to you. While, it can mean everything to others!

One of the most sustainable ways to conquer this situation is to contribute a certain percentage of your income. For instance, you can agree to allocate 30% of your income towards household expenses and other miscellanous. Both parters will be paying the same percentage to other expense categories such as utilities and transportation.

STRATEGY #3: TOGETHER AS ONE

Some couples prefer to establish a joint account with a foundation of trust and mutual understanding. With this account, you may allocate a percentage for entertainment. Entertainment includes funds for hobbies as well as vacations. Maintaining an account to fund an expensive vacation allows you to team up to achieve a common financial goal.

Motivation is elevated as you work together. Furthermore, your dual streams of income widens the resources for your funds.

STRATEGY #4: TOGETHER YET APART

Another strategy that can be just as effective is separating the expense categories based on one’s financial capacity. You will be responsible to pay for specific bills from your own account or savings.

Under this strategy, each person remains their individual bank accounts and identifies which expense they are responsible for. According to Andrea Rizk, the founder and CEO of of Risk Public Relations, this arrangement maintains maximum financial independence.

Image Credits: pixabay.com

Image Credits: pixabay.com

At the end of the day, you must choose a strategy that works well with your personalities and relationship dynamics.

Sources: 1 & 2

Read More...