5 dry shampoos from $21 for CNY visiting days where you’re running late but still need to smell fresh
Strategic Financial Planning: How to Use Loans Wisely for Personal and Business Goals
Discover how to use loans strategically for personal and business growth. Learn about payday loans, SME loans, and financial planning tips for a secure future.
While this may sound ordinary, loans for managing money can be more than a safety net. They can be stepping stones toward big dreams. Whether you’re looking to expand your small business, cover emergency expenses, or invest in yourself, using loans strategically can make all the difference.
Here’s a practical guide that will help you navigate financial planning with loans without getting overwhelmed.
Why Loans Are More Than Just Borrowing
Loans are mostly misconceived as a last resort for people in financial turmoil. But the fact? Loans are a powerful financial tool whenever used wisely.
Think of them as your partners in your financial journey. They are there to help you seize opportunities, solve problems, and pave the way for growth. The key lies in knowing how and when to make use of it.
1. Borrow to Invest in Yourself
Sometimes, the best investment you can make is in yourself. Be it funding a professional course, earning a certification, or pursuing a degree, using loans for education or development of skills will yield benefits over a long period of time. This kind of investment not only increases your earning potential but also makes you more competitive on the job market.
Payday loans can be a godsend to bridge quick funding to cover immediate-term expenses in pursuit of your goals.
2. Loans for Business Expansion
For most small and medium-sized businesses, it is access to capital that makes the difference in scaling up, not just staying operational. A loan for an SME can give your enterprise that boost it needs when creating new talent, making investments in new equipment, or embarking on launching a new product.
It is, therefore, more convenient for you to get your funds through a number of options specifically tailor-made in Singapore for owners of businesses.
Interested in SME loans? Take a look at Capitall to see how they can help you expand your enterprise.
3. Manage Short-Term Needs with Payday Loans
Life has a way of throwing those unexpected expenses into our laps. Be it an unplanned medical bill, urgent repairs in the house, or a travel need cropping up all of a sudden, payday loans can bring quick respite.
These loans are meant for short-term financial gaps; hence, they have shorter approval and repayment periods. Just be sure to borrow only what you can comfortably repay.
4. Consolidate Debt for Better Financial Health
Overwhelmed with a lot of loans or debts? A debt consolidation loan is one that helps you put all of them together into a single, supermanageable payment. This makes budgeting easier and can even lower your overall interest rate to save money in the long run. Consolidating debt is smart when anyone has to juggle high-interest debts.
5. Establish a Good Credit History
One of the best ways to build a strong credit history is by taking loans and repaying them in time. A good credit score opens doors to larger loans with better interest rates in the future. Start small with manageable loans, repay consistently, and watch your financial reputation soar.
6. Plan Big Life Events Without Stress
Great moments in your life, such as marriage, buying a home, or starting a family, usually bear big price tags. Loans can make such events more manageable, as the cost is divided into smaller portions over a great deal of time. Just be sure to budget well and borrow only what you’re comfortable repaying.
Nobody likes to contemplate emergencies, but one should be prepared for them. Loans act like a financial cushion during contingencies, whether it is a medical emergency or a case of sudden loss of a job. Knowing you have access to quick funding provides peace of mind during challenging times.
8. Understand the Terms of the Loan
Be certain, before signing on the dotted line, that you understand every single condition of your loan. In particular, look for:
- Interest Rates: Fixed rates come with fixed, predictable payments, while variable rates can fluctuate.
- Repayment Tenure: The shorter the tenure, the bigger the EMI but the lesser the overall cost.
- Hidden Fees: Check for any mention of processing fees, late payment fines, or even prepayment penalties.
Take time to understand the details of what is being discussed in order to avoid surprises in the future.
9. Choose the Right Loan for Your Needs
Not all loans are created equal. Here are a few popular options:
- Payday Loans: These loans are ideal for urgent short-term expenses.
- SME Loans: Best for growing business owners.
- Personal Loans: Great for major life events or debt consolidation.
Sites such as OMY Singapore allow you to compare loans and choose the one that fits your needs.
If you are confused about taking which loan and how much, never feel shy to go for advice. Financial experts will explain your options for you and plan your financing. Similarly, being a businessman, consulting with a financial expert can keep you correctly utilizing loans for your benefit.
Successfully Managing Loans: Tips
Taking a loan is only half the journey. The other half is taken care of when you see to it that you run it responsibly. Here come some tips:
- Create a Repayment Plan: Budget your monthly income to include your loan payments.
- Avoid Overborrowing: Only borrow what is truly needed.
- Set Reminders: Set up an automatic deduction or calendar reminder so you will never have to worry about missing a due date.
- Communicate with lenders: If you’re having trouble making payments, reach out to your lender and talk about options for restructuring or deferring.
Loans as Tools, Not Loads
The golden rule is quite simple: loans are to work for you, not against you. They’re tools to help you get to where you need to go, instead of anchors holding you down from an economic perspective.
Prepare a plan in place for how the funds are going to be utilized effectively, loans can unlock possibilities one never thought available to him or her.
Think Long-Term
While loans can solve immediate problems, they’re also an opportunity to think long-term: scale your business, build your dream home, or set yourself up for a secure financial future. The right loan can help you get there faster.
Conclusion
Loans, if correctly leveraged, can be your best allies in your journey in finance. From payday loans, for emergency needs, to SME loans for a company’s expansion, knowing how to choose and manage a loan is what makes a person financially fit.
Access to exploring choices gets easy with platforms such as OMY Singapore. The bottom line should, therefore, be to borrow thoughtfully, plan profoundly, and use loans on what you want to turn to in the future. Use proper monetary strategies to realize your objectives without compromising your financial strengths to a great extent.
5 quality face mask packs/sheets under $15 so you can start prepping your skin for CNY 2025
Heard of “one pack a day” but never tried it before?
Now’s the time to give it a go with CNY around the corner.
We’ve picked some quality face mask packs/sheets from $6 so you can start prepping your skin to 过新年 🧧
Saturday Skin Intense Hydration Mask
Promo Price: $6
First up, we have this intensely moisturizing sheet mask with a soft biocellulose sheet that hugs every curve and contour like a second skin.
Hyaluronic acid and juicy watermelon extract combine to quench parched complexions, while aloe vera soothes and refreshes.
As the mask works its hydrating magic, don’t be surprised if a crisp citrusy scent from lemon and orange peel oils starts bringing a smile to your face.
After a relaxing 20 minutes, peel it off and flaunt your post-mask glow.
Sephora Collection Fiber Face Mask(s)
Price: $6
Pamper yourself with pure botanical bliss in just 10 minutes using Sephora Collection’s Fiber Face Mask(s), a multitasking, skin-quenching dream, fusing hyaluronic acid with plant extracts.
The nourishing coconut variety soothes and restores with its formula.
Clogged pores? Reach for the mattifying matcha to detox and clarify; lemon works to purify too!
Lychee brings a burst of juicy moisture for an envious glow while thirsty complexions should drink up the watermelon’s plumping serum.
And blueberry works overtime to perfect radiance.
These vegan sheet masks are your shortcut to a spa-worthy ritual right from home.
Sephora Collection Booster Face Mask(s)
Price: $10
Can’t decide if you want to brighten or hydrate?
Now you can do both.
Sephora Collection’s Booster Face Masks provide 360° action with their two-piece design.
The Glow Booster Mask drenches your skin with a vitamin C and orange extract blend for a radiance boost.
Or go for the Soothe Booster Mask which soothes and nourishes with a mix of prebiotics and almond milk.
In just 5 minutes, these masks can conquer your skincare needs at once.
Glow Recipe Watermelon Glow Jelly Sheet Mask
Price: $13
Glow Recipe’s Watermelon Glow Jelly Sheet Mask drenches your complexion in hydrating extracts inspired by the principles of Korean skincare.
The star’s the watermelon extract, bursting with skin-replenishing vitamins and amino acids.
The mask is also soaked in soothing Centella Asiatica and hyaluronic acid to drench your pores with a surge of moisture.
Crafted with two seamlessly fitted pieces, this mask treat hugs every area to seal in the goodness.
Simply unfold, apply, and revel in the cooling sensation as the serum penetrates deep within your skin.
After 10 minutes, you will be left with a dewy glow that rivals a freshly cut watermelon off the vine.
Dr.Jart+ Ceramidin™ Cream-Infused Mask
Price: $14
Last but not least, we have Dr.Jart+’s Ceramidin™ Cream Mask.
It’s a godsend for dehydrated complexions as it delivers a rich cream infusion packed with ceramides that boosts skin’s moisture barrier by an impressive 31% while providing 24 hours of hydration.
But despite the powerful moisturizing punch, the ‘airy-tex’ fabric lets skin breathe easily and move naturally.
This means you don’t have to deal with suffocating stickiness.
Instead of flaky dryness, you will peel away to a supple glow thanks to the blend of olive fruit oil and shea butter that softens and smooths.
Dermatologist-tested and safe to use on various skin types.
Why Now’s the Perfect Time to Visit Japan
Among all the countries my husband and I have explored in Asia, Japan reigns supreme as our top pick. If you’ve ever dreamed of indulging in sushi, soaking in hot springs, or wandering neon-lit streets, this is your sign to book that ticket.
Learn why Japan is calling louder than ever.
THE YEN MAKES JAPAN IRRESISTIBLE
Japan’s tourism scene is on fire, fueled by the yen’s historic depreciation. In March 2024, Japan welcomed an astounding 3.14 million foreign visitors, smashing the previous record of 3.08 million set in March 2023.
Why the boom? The yen’s slide to a 38-year low against the dollar has made Japan a bargain-lover’s paradise. For Singaporeans, S$100 now gets you over 11,465 yen, compared to just 8,000 yen before the pandemic. This increased purchasing power is a game-changer for foodies, shopaholics, and adventurers alike.
Despite slightly rising commodity prices in Japan, the weaker yen ensures visitors can still enjoy more bang for their buck. Whether it’s a luxurious wagyu dinner or trendy streetwear, the yen stretch is undeniable.
MORE FLIGHTS, MORE CONVENIENCE
Traveling to Japan has never been easier. Airlines are responding to surging demand by adding more routes. For instance, Air Japan, a subsidiary of ANA Holdings, launched its Tokyo Narita-Singapore route in April 2024, with one-way fares starting at 17,500 yen. Affordable flights? Yes, please!
Image Credits: unsplash.com
HOT SPOTS AND MORE
The usual suspects like Tokyo, Osaka, Kyoto, and Hokkaido continue to charm travelers, but there’s more to explore. Hokuriku, with its breathtaking coastal landscapes and tranquil temples, is quickly emerging as the next must-visit region.
For travelers craving a mix of iconic landmarks and off-the-beaten-path experiences, Japan offers an endless array of discoveries waiting to be made.
WHAT THE FUTURE HOLDS
Japan’s economy is gaining momentum, with wages rising and inflation cooling off. The government’s stimulus programs are aimed at promoting growth, with projections suggesting 1.2% economic growth for fiscal 2025. While there are challenges such as managing increased tourist traffic and infrastructure demands, Japan is rising to the occasion.
WHY GO NOW
The yen’s weakness isn’t just a travel perk; it’s an open invitation to experience Japan’s vibrant culture, stunning scenery, and world-class hospitality without breaking the bank.
Image Credits: unsplash.com
Whether you’re a seasoned Japan traveler or planning your first visit, there’s never been a better time to say “konnichiwa”.
6 floral bouquets/arrangements from $49 that are not roses for Valentine’s Day 2025
Not every person on earth likes roses, right?
If your special someone is not a rose-type girl/guy, why not consider these floral bouquets/arrangements we’ve picked for Valentine’s Day 2025?
Just a month to go so it’s best to start shopping and placing orders ASAP!
Forever Love
Price: $49
Sunflowers have a way of chasing away the gloom.
With their bright yellow petals, these cheerful blooms are pure sunshine in flower form and that’s exactly what you will find in this floral box from The Bud Box.
More than just a sunflower though, it’s an eruption of sunburst yellows mingling alongside fillers and foliage.
Send some sunshine to someone you love this Valentine’s Day 2025.
Classic/Large/Luxe Gerberas
Price: from $49.90
Blushing with a pink hue, this bouquet of gerberas makes the perfect gift.
You can choose from three sizes: Classic (10 stems), Large (15 stems), or Luxe (20 stems) where each comes with premium white paper wrapping and a ribbon to allow the blooms to take center stage.
Customize your gift with affordable add-ons from $4 if you’d like.
It also comes with a FREE message card so you can pen down your thoughts.
Rainbow Love Box
Price: $56
Invite a breath of fresh whimsy into your SO’s world with this lovely Rainbow Love Box.
A twist on the classic bouquet, it swaps roses for an airy baby’s breath in a spectrum of pastel hues.
It’s a celebration of color for this V’day!
Luscious Valentine
Promo Price: $59.90
For the chocoholic in your life, this Valentine’s bouquet is sure to satisfy their sweet tooth.
Nine Ferrero Rocher chocolates are arranged with sprays of pink baby’s breath, measuring about 35cm high and 25cm wide.
Plus, a complimentary message card lets you pen a personal note.
Splurge on a few add-ons from $5.90 to make it pop.
Henderson Hydrangea Pink
Price: $82
At first glance, you and your loved one will be swept away by the beauty of these pink hydrangea blooms.
Their soft pastel hues evoke feelings of romance.
But look closer and you will see why this bouquet is THE choice for this V’day.
This arrangement is also available in a cool blue theme and you can get it here: singaporeflorist.com.sg/henderson-hydrangea-blue.
Patrina VD
Price: from $119.90
Last but not least, we have this bouquet, a combo of blue baby’s breath and soft white cotton blossoms wrapped in crisp white paper and finished with a satin ribbon.
While it charms with beauty, this bouquet offers customization options: upgrade to a larger size for maximum impact or add touches like fairy lights for a magical aura.
You can even pair it with a vase to extend the joy past V’day.
How to Combine Finances with Your Partner After Marriage
Congratulations on tying the knot! Now comes the real test: managing money as a TEAM. Whether you’re saving for a BTO, cutting tax bills, or just splitting date-night expenses, combining finances is key.
On that note, here are ways to make it seamless and drama-free.
DECODE EACH OTHER’S MONEY HABITS
First things first, how does your partner handle money? Maybe you’re a spreadsheet whiz, but they’ve been winging it with an “I’ll deal with it later” mindset. No judgment here!
Before you start pointing out their questionable spending habits, take a moment. What are they actually good at? Perhaps they’re great at saving or scoring insane deals. The goal isn’t to replace your system or theirs but to create one that works for both of you.
TALK ABOUT YOUR MONEY VALUES
Don’t just focus on what to spend or save, talk about why instead. What matters to both of you? Is it traveling, securing a comfortable retirement, or splurging on coffee from that atas café every weekend?
For instance, I’m all about giving back as a secretary of a non-profit foundation (yes, I know it sounds like a Hallmark card, but it’s true). When my partner found out, he was like, “Wait, we’re giving how much away?” Once we had a proper chat about our values and got on the same page, planning became much easier.
HAVE NO SECRETS AND SURPRISES
Transparency is everything. Lay it all out there: your income, debts, investments, and even that sneaky monthly subscription to a gaming app.
Have debt? Earning less than you’d like? That’s okay. What matters is honesty. The last thing you want is for your partner to find out about a hidden credit card bill. Marriage is about supporting each other, not sweeping stuff under the rug.
SET UP A JOINT ACCOUNT
Sharing finances doesn’t have to be complicated. Start with your combined income and work your way down through expenses. Keep it realistic, and remember that your money should work for you, not stress you out.
Image Credits: unsplash.com
Think of it as a team project (but less annoying than group work in Uni). For example, in our household, we split the bills and stash some cash in a joint savings account. Having that structure has been a game-changer for hitting our goals, like saving for a big trip or investing in that dream flat.
PLAN FOR THE FUTURE TOGETHER
Now that the basics are sorted, it’s time to think long-term. Review your health, life, and home insurance policies, and make sure they reflect your new life as a couple. Have elderly parents to support? Factor that in too.
Financial security is about building a future you both want. With open communication and teamwork, you’ll be ready to handle whatever life throws at you, whether it’s unexpected hospital bills or sudden home repairs.
KEEP IT FLEXIBLE
Managing money doesn’t have to feel like boot camp. Make it a regular thing: grab kopi, whip out your budgeting app, and review your goals. Celebrate your wins, no matter how small, like sticking to a grocery budget or paying off a small debt.
Ultimately, it’s not about being perfect but about being partners. With a little give-and-take (and maybe some bubble tea or artisan coffee as a reward), you can ace this whole money-managing thing.
Image Credits: unsplash.com
Here’s to happily ever after… financially and otherwise!