Jun 11

6 Simple Lifestyle Hacks to Help You Become Rich

Growing your savings isn’t just about saving a big portion of your monthly income. Those small practices regarding your everyday finances can easily snowball and benefit you in the future. Consider these small lifestyle tips to help save more for the rainy days.

  1. Lessen Unneeded Everyday Purchases

This means limiting Starbucks coffee runs and walking short distance instead of booking an Uber. If there’s a less-pricey option, go for it as much as you can. Just make sure to prioritize your safety first.

  • Make a Grocery List and Stick to It

We know how tempting those chocolates are, but it they are something you can do without and are not on your list, then it would be best to leave them for the pampering days (Yes, you can still reward yourself with treats, as long as you stay within budget). Additional tip: Don’t go grocery shopping when hungry. Everything looks good, and you’re more likely to pick up junk foods instead of the more nutritious ones.

  • Pick-Up Discarded Coins

It may seem insignificant, but try not to take your stray coins for granted. When cleaning around the house, pick up every cent you see; you’ll be surprised at how much they would amount to. Plus, you will have something to use when you need to use a payphone or when the cashier asks for a change.

  • Always Go For Zero-Interest

If planning to purchase an item on instalment, look for one with zero-interest promo so you won’t be charged with high interest that’s a real pain to pay. While you’re at it, call your bank and try asking to waive your credit card annual fee.

  • Make It a Habit to Do Price Comparisons

This goes for all purchases—from grocery to gadgets. Are you sure you’re getting your money’s worth or are you just paying for the brand of the product? Set your priorities before buying something that requires you to shell out a few hundred dollars.

  • Quality Over Quantity

Instead of buying cheaper items that can easily break, use your money and buy things that may be initially expensive but are long-lasting. Genuine leather, instead of the faux one, actually makes an excellent long-term investment.

Building wealth is not just about saving big every time; it is also about doing small adjustments, which later on accumulates into bigger savings.

   Jun 11

Common Health Issues Women Should Look Out for in Their 30s

If you are in your 30s, it’s likely that you’re seeing and feeling major changes in your body compared to when you’re in your 20s. Your busy schedule and added responsibilities might make it difficult for you to take care of yourself and maintain a healthy lifestyle. Make your health a priority to continue living a healthy and happy life, and make sure to watch out for these fie common health issues that might get in the way

  1. Varicose Veins

This is a common problem in women, where the veins in their legs swell and can become extremely painful. Older women are more likely to suffer from this issue, making it difficult for them to sit, walk or even stand comfortably in long period of time. So, make sure to get checked regularly and live healthy, especially by the time you reach 30.

  • High Blood Pressure

This is a medical condition common in mature women where the higher pressure of the blood puts extra strain on your blood vessels. Over time, it can damage your blood vessels, heart and your brain. Wrong diet and stress can cause this health problem, especially in women aging 30 and up. So, as much as possible, avoid working after work hours and squeeze in some exercise into your daily routine.

  • Osteoporosis

As we age, our bones age as well and begin absorb old tissues faster without creating new ones, making our bones weak. This can happen because of lack of calcium, and can happen sooner if you do not have steady calcium intake. While you’re still young, feed your body with enough calcium everyday by taking calcium-rich food and supplements.

  • Breast Cancer

After 30, women are more prone to developing lumps in their breast. While some lumps aren’t harmful, there are some that are cancerous. Perform a breast self-exam regularly and be mindful of any physical changes. After all, early detection can cure the cancer and save your life.

  • Thyroid Disease

There are three different thyroid problems: hyperthyroidism, hypothyroidism and goiter. Every function in your body relies on your thyroid hormone, including the growth of your nails, function of your body organs and your digestion. Even your heart and brain are especially dependent on your thyroid hormone to properly function. To avoid thyroid problem, make sure to maintain a balanced diet that’s low in salt and sugar.

If you’ve had your annual check-up, make sure to follow your healthcare provider’s recommendations for screenings and preventive health care. If you’ve never had one, now is the perfect time to visit a physician and start a regular health examination.

   May 21

5 Books that Teach You to Manage Money and Get Rich

A lot of people would say that money can’t buy happiness, but if you really think about it, money is power. The thing is, so little of us know how to manage our own money.

So, here are 5 books that can help with that:

Rich Dad Poor Dad by Robert Kiyosaki

If you’re thinking of which book in this list to read first, you should definitely start with this one. “Rich Dad Poor Dad” introduces us to a reality that we don’t often realize early enough, financial skills are not taught well at home and even at school. Kiyosaki states that because of this, we have trouble managing the financial aspect of our lives. He draws different perspectives on money from his father and his best friend’s father to provide valuable lessons about making money.

Think and Grow Rich by Napoleon Hill

This book is one of those “old but gold” books about money management and financial literacy. Though it was originally published in 1937, the teachings and the insight you can get from “Think and Grow Rich” is timeless. Hill has written this book thoroughly giving his analysis of the lives of millionaires and how you can draw financial success based on these.

Your Money or Your Life by Vicki Robin and Joe Dominguez

This book is a great read for the hard workers of Singapore. “Your Money or Your Life” highlights that though you spend most of your time and energy earning money, having more money is not necessarily better if you’re compromising your own well-being. Robin and Dominguez teach that learning to manage your money can be better than aspiring and working for more. That by detaching yourself from money, you won’t need to put your health on the line to be wealthy.

The Richest Man in Babylon by George S. Clason

This book is basically a collection of parables set in ancient Babylon that teaches saving and financial management. It shows how you can be healthy by learning to save money, not spending on useless things, and not getting in debt. The book also highlights the mindset of “paying yourself first” which is basically saving 10% of your income. This is actually a great read because of how you can reflect on the parables and apply the lessons in real life.

The Power of Habit by Charles Duhigg

So far, all the books mentioned focus on financial management, so let’s segue a bit. Although “The Power of Habit” does not directly talk about money, it has a lot of valuable lessons. It explains why habits exist and how bad habits can be changed for better ones. The book tells of people who struggle to change their habits in years, while there are others who can easily change overnight. The main point is, our habits can affect our health and wealth significantly and how these habits can transform our lives as we know it.

   May 21

Where to Find the Best Bak Kut Teh in Singapore

Bak Kut Teh is a pork rib dish that’s cooked in either a peppery or a herbal-based broth. It is typically a Chinese (specifically Teochew) soup that is commonly found in Singapore and Malaysia. This is one of the most enjoyed and desired dishes in Singapore, especially during the rainy season. With that, here are some of the best places to get bak kut teh!

1. Ng Ah Sio Bak Kut Teh s

Ng Ah Sio Bak Kut Teh is one of the oldest establishments selling bak kut teh having started operations in 1978. They have set themselves apart from others by solidifying their signature flavor of a rather peppery broth. This has earned them a lot of loyal customers who can easily distinguish the taste of their bak kut teh above anyone else’s. If you prefer broth that’s hearty and almost spicy, this is the place to be.

2. Song Fa Bak Kut Teh

Another “old but gold” establishment is Song Fa Bak Kut Teh. In the late 1960’s, owner Yeo Eng Song served bowls of bak kut teh with a pushcart stall. Today, Song Fa Bak Kut Teh is already a big name in Singapore. A lot of their success comes from their humble beginnings and their willingness to deliver the genuine flavors of bak kut teh.

3. Rong Hua Bak Kut Teh

Rong Hua Bak Kut Teh is known to serve bowls of bak kut teh that gives you a taste of authentic Teochew tradition and heritage. It’s kind of hard to describe their bak kut teh (in a good way). The broth is sweet and tasty but also quite peppery with just the right kick to it. Take small sips while the broth is still hot, you’ll get a certain warmth and savory taste that way.

4. Legendary Bak Kut Teh

Legendary Bak Kut The, formerly known as Founder Bak Kut Teh, is another household name in Singapore. Their walls are adorned with pictures of local and international celebrities who have dined in the establishment. Nonetheless, Legendary Bak Kut Teh has many loyal customers, celebrity or not. The main reason should be that they serve fresh and meaty pork ribs in a clear, yet flavorful and mildly spicy broth.

5. Leon Kee Claypot

From the all those mentioned above, what set Leon Kee Claypot’s bak kut teh apart is that the broth is herbal based. Don’t get us wrong, there are still many stalls that have herbal-based bak kut the, but this one is hard to miss. Because they serve it in claypot style, you can expect the soup to still be very hot as it is served. Plus, don’t get misled by the dark broth, it actually has a vivid sweetness to it.

   Apr 25

How to Make Your Own Bookmarks in 3 Easy Steps

Do you often have trouble picking up where you left off after putting down a book? Do you hate having to fold the pages or make dog ears to mark your progress? If your answer to either of these questions is “yes”, then making a bookmark is what you should do.

Bookmarks not only make it easier for you to keep track of where you left, but they also make a great opportunity for you to let your creativity loose.

Here’s a simple step-by-step guide on how you can make your very own bookmarks:

1. Choose the right paper

You can’t just choose any old sheet of paper when you’re making your own bookmarks – you need something that draws attention and is sturdy enough for you to use repeatedly without just slipping or tearing.

The best material you can perhaps use for your bookmark is cardstock, which is sturdy and thick enough but can still be cut and drawn on easily.

2. Cut the paper

Once you have the cardstock of your choice, it’s time to cut it according to size. Most bookmark sizes range between 2” x 6” and 2” x 7”, though some bookmarks are 2” x 8.5”.

You can also choose to punch a hole in your bookmark to add the tuft of your choice, which allows you to keep better track of your progress when reading.

3. Add the details

Personalizing your own bookmark is the best thing about making it, and what makes it something different rather than being just another scrap of paper you jam in between pages.

Whether you want to add a certain marker to keep track of your progress to the exact line, or simply add an inspirational quote to look at, this is your chance to go nuts on the colors and drawings!

Alternatively, you can also use other materials as bookmarks, such as plastic paper clips (metal ones have a greater chance of ruining the paper), postcards that you cut to size, or even photographs. 

However, there are some materials in particular that you shouldn’t use as bookmarks for your books, such as the following:

  • Money – It should go without saying that you shouldn’t use money as a bookmark, since there are obviously better uses for it than simply being a marker for your reading progress.
  • Metal objects – Metal paper clips can tear out the page when you’re not careful – if you have to use paper clips, try using ones made of plastic instead.
  • Toilet paper – Not only do these slip out, but they also give the impression that the book has been used in a bathroom.
  • Handwritten letters – These are personally addressed to people, which means they shouldn’t be left lying around.

   Apr 25

How to Test Your Smoke Detectors in 4 Simple Steps

Smoke alarms are an inexpensive way for you to protect yourself and your family from any fire-related hazards and injuries, but it’s important to test them regularly to make sure they function.

You can usually find two kinds of smoke detectors: battery-operated, which can be installed anywhere but require frequent inspection and battery replacement; and AC-powered, which are usually more dependable but need to be installed correctly by an electrician.

Why Test Your Smoke Detectors

Smoke detectors and fire alarms are not infallible. For instance, batteries eventually die and need to be replaced, and parts of smoke detectors can eventually wear out over time, which means that they need proper upkeep and maintenance at least once or twice a year.

So if any of the following signs apply, you might want to consider replacing your detectors:

  • Frequent false alarms
  • Short beeps
  • Frequent presence of smoke triggering the smoke detector regularly

When testing your devices, be sure to read and follow the instructions in the box for the proper method. However, if you don’t have them, there are a few ways you can test your smoke detectors to know if they still work:  

1. Let family members know. When testing your alarm, be sure to inform everyone first. Smoke detectors and fire alarms emit a high-pitched sound that can frighten some people, you want everyone to be prepared to avoid surprising or scaring anyone.

2. Do a sound test. You can test this by having a family member stand at the furthest point in your home. This area should be away from your alarms since it can be critical in knowing if the alarm can be heard everywhere in your HDB flat or condo unit.

If your alarms do work but can’t be heard in other areas in your home because they are muffled or weak, you may want to have additional smoke or fire alarms installed in more areas in your home.

3. Press and hold the “test button”. This test button is present in every functioning smoke alarm or fire detector and should be easy to find, and while it takes a few seconds to start, it should emit a loud noise when pressed. This is when you know that the smoke alarm is working.

If your alarms have a weak or muffled sound, try to see if it isn’t blocked by any dust or debris and that the batteries are still working. Try replacing the batteries if the last time you changed them was more than six months.

You should also keep in mind that smoke detectors usually have a ten-year life span, which makes checking their date of installation important.

   Apr 01

How Decluttering Can Improve Your Life

It has been found in a 2016 survey involving 520 Singaporeans that more than 70% still keep items they no longer use. Hoarding can be quite the issue especially if it goes out of control. Now, you can somehow say that decluttering is the counter to this, but it’s really easier said than done. Even so, if you need more convincing, here are the great benefits decluttering can bring to your life.

1. Less stress

Seeing messy surroundings actually has a serious effect on our mood. Not only that, it also subconsciously affects our mind. In simple terms, that basically means seeing clutter also produces “clutter” in our mind and leaves us stressed, sometimes unnecessarily.  It’s a very simple notion, but you’ll find that decluttering is really relaxing.

2. Decluttering can boost your productivity

When you have a clean and organized workplace, you get more things done. It’s that simple! Having too many things can negatively affect the brain’s processing of information and your overall focus. Nothing is more annoying than looking for something in a pile of papers and not getting anything done. When you declutter, try and compare how different your productivity is with a messy desk and a clean desk.

3. It’s quite the exercise

Decluttering involves a lot of physical activity, especially if you’re doing a whole room or office. Moving heavy objects and going back-and-forth all around the room, for example. Now we’re not saying that you should treat decluttering like another form of exercise like cycling, it’s just that it can help break out the sweat a bit. Not only that, you can also have a little bit of fun while cleaning with your family. You might even find some lost treasures or things you’ve forgotten you had long ago.

4. You’ll sleep better

Surely, you’ve had the experience of going home after a tiring day at work only to find that your house is a mess. You try to go to bed but you just got have to clean the place up. Sometimes you even just leave the place like that. A cluttered home that’s stressing you out will only make it harder for you to settle down in bed and get better sleep.

5. You’ll have fewer things to worry about

For one, you will do less cleaning. Having less clutter basically means less cleaning. You also won’t have to worry about looking for the TV remote, your keys, your favorite shirts, and a lot more once you’ve decluttered and organized your place. Don’t forget that you can also declutter your phone. Get rid of apps, messages, or emails that may otherwise cause distract you or cause worry.

   Apr 01

Good Study Habits You Should Try to Develop

For many years, Singapore’s education system has been one of the best around the world. Of course, this is all due to the government support, the teachers, and most especially the students. Additionally, many students earn success by having good study habits. Of course, developing and using efficient methods of studying can translate to more accomplishments in school.

Avoid cramming

Many students fall victim to the temptation of putting off their projects and assignments until the last days before the deadline. There are also those who study just a day before their exams saying that the pressure helps them focus better. Even so, it’s not really advisable to do this. You’ll only find yourself struggling to stay awake while studying or waking up feeling exhausted. 

Don’t do too much at one time

Studying too much at one time, even when you’re not exactly cramming, is also not an ideal study habit. When you do too much at once, you’ll end up tiring easily and your studying will not be as effective. So, try to space out your studies or at least take short breaks in between your study sessions. This will help keep your mind stay fresh and sharp.

Try to study daily

To some, studying every day may sound tiring and even intimidating. But this is not really the case if you plan it out well. Plus, this doesn’t really mean you have to study like there’s an exam coming every day. Sometimes reviewing your lessons for the day can be enough. When you study consistently, at the same time each day, it will be easier for you to retain information and keep you mentally prepared always. All the same, it is also good to take a day’s rest from studying too.

Find your own study place

There are people who choose to study in complete silence, while there are also others who like to study with some music in the background. Choosing a place to study where you are most comfortable can easily boost focus and productivity. Also, try to have another one or two back-up study places just in case you can’t go to your main one.

Remove distractions

In relation to choosing a good study place, you should also get rid of the things that might distract you. Avoid studying near the TV when it is on or going to a place that’s crowded. You should also try to keep your smartphone away from you if you don’t really need it. Because of social media, it is very easy to get tempted to check our phones every now and then. That is why it is important to keep your phone away and to refrain from using the internet if you can when you are studying.

   Feb 28

4 Things to Consider When Buying a New Refrigerator

Refrigerators are not just a major purchase, but a crucial investment for your home that keeps food fresh for longer – and it’s the reason why so many people aren’t as inclined on replacing it even if it’s an eyesore or it racks up the utility bill for your condo unit or humble HDB flat.

Here’s what you should be looking out for when buying a refrigerator:

  1. Special features

Different refrigerator models have different features as their selling points, from ice-makers, through-the-door ice, or even a hot water option.

But while they may have features that can make preparing or storing food easier and more convenient, they do come with the drawback of adding more to your utility bill, so be sure to only choose the ones with features you really need.

  • Size

Be sure to pick one that’s appropriately sized for your home. As an investment, a fridge can’t simply be too big or too small – it must fit the area you have in mind perfectly.

However, keep in mind that size doesn’t always mean storage capacity. If one unit has thicker walls than the other, then it will most likely be able to store less than the unit with thinner walls.

As much as possible, try not to throw out your old refrigerator if you can still get it to work. By keeping the old refrigerant and preventing it from getting into the environment, you can prevent extra greenhouse gas emissions.  

  • Freezer space

If you plan on storing a large amount of frozen foods, or simply making ice for future refreshments, having a sizeable freezer space will be important.

Top freezer models tend to use the least amount of energy and are more affordable, so they’re usually the safer bet when you want a refrigerator that will save you more money in the long run.  

Bottom freezers are also a good option, but they tend to have more issues than simply finding food. Not only will the food be stacked on top of one another, adding to the weight, but they will also be more difficult to pull out of the drawer as a result.

  • Energy Certification

Because it uses electricity 24/7 to keep food fresh for a long time, your fridge will be the biggest energy user in your home next to your air conditioning or your television.

With recent improvements in insulation and compressors, refrigerator models released today are guaranteed to be much more efficient and use much less energy than older models released years before.

Though initially expensive, having the right energy-efficient refrigerator will not only last you a long time, but also save you on added energy costs in the long run.