Anna Agoncillo, Author at MoneyDigest.sg

Beginner’s Guide To Growing Houseplants

From vibrant succulents to the elusive variegated Monstera, the popularity of growing your own houseplants spiked during the pandemic. Visually driven social media has become a haven for foliage fanatics. Simply ask your friends, who are proud plant-dads or plant-moms, about their collections and they will gush with enthusiasm.

Although this botanic popularity may seem like a fad, people have long been maintaining a love affair with plants. Let us focus on the Millennial generation. Their love of plants roots from the self-care and wellness movements. This generation spend money on wellness categories such as boutique fitness classes and athleisure wear. It only make sense that they embrace the physical and mental health benefits offered by plants. Swipe through Instagram to see what I mean!

Image Credits: pixabay.com

Growing your own greens is a healthy way to save money and to enjoy fresh produce at home. When done correctly, you will be able to significantly cut down your grocery budget. Moreover, growing houseplants can help improve the indoor air quality. You just have to set aside a budget for gardening.

The total bill for a DIY garden will vary by the type of plant grown, the number of plants purchased, and other factors. To calculate the true cost of starting and maintaining a garden throughout the year, add the following factors together.

Cost of plants or seeds
Cost to provide nutrient-rich soil (i.e., dirt, fertilizer, and worms)
Cost to water plants
Cost to protect and structure plants (e.g., cages, coverings, and fences)
Cost of tools and accessories (e.g., garden forks, gloves, and spade)

Do your research when growing an arsenal of tools. You can start with these basic tools.

1. Gloves

Gardening is a wonderful hobby. Keep things on the pleasant side and avoid a thorny situation by using the right pair of gloves. Garden gloves should be durable, but not bulky.

2. Garden Fork

Garden forks can dig into dense soil better than spades. Forks with straight tines are used for digging and are great for rocky or clay soil. Forks with square tines are stronger than flat tines. Lastly, forks with slight curves to the spines are useful for scooping mulch or turning compost piles.

3. Spade

Spades are short-handled square shovels. A spade will help you to dig holes, create edges, and move small mounds of dirt from one are to another. It may be pricey, but a good spade will last for a long time.

4. Hoe

Hoes are useful in cutting down weeds and preparing your flower beds. You garden will dictate which hoe suits it best. For instance, a veggie garden may require a sturdy and wide hoe.

5. Watering Can

There are hundreds of styles, sizes, colors, and nozzle options when buying a watering can. However, the two basic types are plastic and metal. The plastic type may not last as long as the metal type.

6. Trowel

A trowel is useful for moving soil, digging, removing weeds, mixing fertilizer and much more. It is essentially a handheld shovel.

Image Credits: pixabay.com

I hope that this article gave you enough information to get you started. With everything else, do not forget to have fun! Embrace the physical and mental benefits that plants have to offer.

Sources: 1 & 2

How To Train Your Replacement

April 2021 marks my fifth year in the company that I have grown to love. As I explore other possibilities and leave my position as a directress vacant, it is my responsibility to train my replacement. I realized the importance of ensuring that someone else was able to do my job early on. I took the liberty to help my fellow directresses too.

It was not because I had brilliant foresight. Rather, it is due to the fact that I had an unpleasant experience during my turnover process. The person who was supposed to mentor me did not want to leave her post. Her bitterness was evident as she prolonged her exit. Nonetheless, I took it as an opportunity to learn from her. I did not want to make my replacement feel the same thing. Expanding the knowledge of others around you is necessary to keep the business moving forward.

Training your replacement does not have to be difficult or awkward. It just needs to be well-thought-out. Do you still remember the first time you picked up a task that was unfamiliar to you? The rollercoaster of emotions you felt on your first day as the boss is something that your apprentice will go through. You need to guide your replacement through methods or instructions on how to complete the tasks.

Start by providing a list of duties or a training manual. I, for one, have a copy of the Directress Training Manual. It is a comprehensive guide divided into several parts such as handling parents’ concerns. In addition to including the job description and important forms, you need to provide detailed instructions for each task. Allow the person to follow along and ask questions whenever necessary.

You read that right! You need to be prepared to answer questions and clarify instructions. Do not assume that your replacement will be able to absorb everything in a day. They will require both verbal instruction and hands-on experience. If he forgot a step during training, patiently remind him of what he missed.

Demonstrate how the duties are done. Watching you go through the steps will help the person feel the depth of your instructions. Make them feel comfortable by letting them seat down and write down notes. As long as you are still receiving paychecks from the company, you are part of the team. Stay professional at all times.

Arrive on time and dress accordingly to the company’s policy. Do not make your replacement feel that you do not care because you are leaving soon. Instead, become a positive role model to him or her. Be prepared with today’s agenda and monitor the trainee. Lastly, introduce him to the people in your office.

Image credits: pixabay.com

Show where your supplies, restrooms, and documents are. Tour him in the office and introduce him to your co-workers. This simple gesture can mean a lot. Let your trainee know what you are expecting to achieve within the day and impart your knowledge on the workplace culture. These details will help him as he adjusts to the new position.

Best of luck!

Why Rewarding Yourself Is Important

John Maxwell once said: “Everybody wants money, yet seldom will anyone budget or control their spending.”

Setting financial goals is an easy task! Reaching these goals is another story. You may intend to purchase your first designer bag or to go back to school this year, but you are still building your funds for it. Moreover, you may have set some financial goals that are harder than you anticipated. Putting these goals into action is the first hurdle that you have to pass.

The second hurdle is reaching the finish line without losing your motivation. The solution to your problem is placing an efficient reward system. Rewards and actions have close association. Think about it! You perform an action expecting an outcome or a reward in the end. Though rewards do now always show up as a trophy, you can expect some form of return. Every time you receive a reward, your body releases a neurotransmitter called the dopamine. It plays important roles in executive functions, motor control, motivation, arousal, reinforcement, and reward. It also plays a role in lower-level functions including lactation, sexual gratification, and nausea. Simply put, it affects how we feel pleasure.

Dopamine spikes in your brain when something important is about to happen. It gives you a surge of pleasure as you finish a task. In turn, it increases your motivation and productivity. Use this knowledge to your advantage. Give yourself small rewards along the way to achieve a bigger goal. You may indulge at the end of the month by rewarding yourself with 5% of your hard-earned savings. Use this money to get a well-deserved treat after the whole month’s work. It will surely keep you going!

As long as you set aside a responsible amount of money, take your mind off the expenses that come with your small reward. Relax! Take these suggestions:

1. Take yourself out to breakfast or brunch.
2. Read a book for 15–30 minutes.
3. Watch an episode of your favorite Netflix series.
4. Listen to your favorite playlist for 15 minutes.
5. Buy a delicious dessert.
6. Enjoy an at-home spa day.
7. Paint, sew, or knit something.
8. Turn off your devices for an hour.
9. Indulge in a long shower.
10. Diffuse your favorite essential oils.
11. Write in your journal.
12. Watch the sunset.
13. Jog for 15-30 minutes.
14. Get a new water bottle.
15. Get a manicure or a pedicure.

Every action is tied to some outcome. The problem is, the result is not always immediate. You will not lose weight overnight. You will lose body fat over time. While waiting, you may lose the motivation to keep going. Hence, putting a simple reward system may help.

Rewards can act as psychological enforcers when you use it as a means of motivation to reach a particular goal. When done right, the natural process in the brain can be used to help you stay on track with your financial goals. The magnitude of the reward is not directly proportional to motivation. Even the smallest treats can get you pumped up for the rest of the month. Use the abovementioned list as a guide to help you put your reward system in place.

Sources: 1 & 2

How To Deal With “Maskne”

Masks play a vital role in reducing the spread of COVID-19. However, prolonged wearing of masks can cause skin irritation and acne for individuals with sensitive skin. Maskne or Acne mechanica has never been a problem of ours with the exemption of healthcare professionals who have been wearing masks on their hospital duties. These healthcare professionals can attest to this irritating skin problem that has become more widespread among the general population.

Dr. Harry Dao, a dermatologist for Loma Linda University Health, explains what Maskne is.

“Masks impose heat, friction and occlusion on the skin and when combined with a moist environment from breathing, talking or sweating, this is a recipe for breakouts,” he says. The three main ways masks can cause breakouts are thru friction, occlusion, and irritation. Firstly, masks impose friction and chafing. The areas most at risk for breakouts are the bridge of the nose and behind the ears.

Secondly, pores get clogged and can become acne cysts or pimples. Your breath trapped beneath the mask makes the skin surface warm and moist. This environment can lead to a breakout called folliculitis, which happens when yeast or bacteria infect hair follicles.

Lastly, the material of a mask absorbs the skin’s natural oils. This leads to dryness and sensitivity for some people. When irritation becomes inflammation, you will see redness, dry patches, peeling, or dark marks. Acne is not the only skin condition reported by mask wearers. Other common skin problems include Seborrheic dermatitis, Rosacea, and Allergic contact dermatitis.

WAYS TO PREVENT SKIN PROBLEMS CAUSED BY MASK WEARING

1. Wash your face. It goes without saying that washing your face with a gentle cleanser and rinsing it with lukewarm water can help prevent dirt and oil from being trapped on the skin’s surface. Do this before and after you put your mask on.

2. Do not apply makeup. Who will see your entire face anyway? Wearing makeup under a mask causes clogged pores and breakouts. Makeup residue will also soil your mask.

3. Apply moisturizer. The moisturizer will not only act as a barrier between your face and your mask but, it will also keep your skin hydrated. This can reduce friction. Apply moisturizer onto a cleansed face before and after wearing a mask.

4. Wash your mask regularly. If you are wearing a cloth mask, ensure that you wash it after using. Otherwise, the dirt can become a breeding ground for bacteria. Choose a fragrance-free laundry soap because fragrances can irritate your skin.

5. Do not reuse surgical masks. Surgical masks are not meant to be reused. Throw it after using

6. Protect your ears. Elastic strap loops on the mask can cause friction burns on the back of your ears. If your skin is sensitive or if you will be wearing a mask for a long period of time, use ear savers. You can attach the straps on the ear savers’ buttons. You can buy yours from Lazada or Shopee.

When should you see a doctor?

If you have breakouts or skin damage that do not respond to skin care changes, you should see a dermatologist. Spreading redness or draining pus can be signs of infection too. Seek immediate medical attention, if this happens.

Image Credits: unsplash.com

Sources: 1 & 2

What To Do When You Feel That You’re Not Good Enough

Your heart is racing. You wanted to say something during an important meeting at work. As you open your mouth, an inner critic stumbles you with doubts. “What if you are wrong?”, says the voice inside you. You saved yourself from embarrassment by keeping your mouth shut. You felt that you were not good enough.

Moreover, you want to ask your longtime partner to take the next step. Something inside you keeps you from taking action. You doubt that she will agree. When doubts brew, you tend to fear the outcome and undermine your abilities. Self-doubt will stop you from reaching your goals. Identifying these false beliefs is the first step to eliminating them.

Believing in yourself is essential in reaching your dreams. On that note, here are some things that you can do when you feel that you are not good enough.

#1: QUIT COMPARING YOURSELF TO OTHERS

My uncle usually stresses how comparison is the thief of all joy. We get so caught up in comparing our lives with everyone else’s highlight moments. This is the reason why we struggle with insecurities. It is important to know that the people you compare yourself to compare themselves to other people too. These people may seem to have it all but, they do not!

They are beautifully imperfect human beings going through the same challenges as you. Instead of comparing yourself to others, you must try to connect with others. Connecting with others can be as simple as greeting your neighbors. Be kind without being submissive. You do not have to agree with others all the time. Everyone has a right to their own perspective and opinion.

#2: KNOW THAT YOUR MIND CAN BE VERY CONVINCING

Do not believe everything you think. There are times when your brain may trick you into thinking that you are less capable of what you can accomplish. Notice your thoughts. It is unhealthy to give so much power to the negative ones. Instead, you must train your inner critic to shift into a coach that challenges you to be better.

Encourage yourself to transform the negative thoughts into positive thoughts. If you do not deem yourself to be worthy, you will deprive yourself of many opportunities.

#3: BELIEVE THAT THERE IS MORE RIGHT WITH YOU THAN WRONG

Jon Kabat-Zinn once said: “Until you stop breathing, there’s more right with you than wrong with you.” You are a testament of how beautiful life can be. There are lots of things in your life that most people pray for.

Identify the internal and external qualities that you like about yourself. This will help you put things into perspective. For starters, you are alive and are able to create new paths whenever you choose to.

#4: NOTICE THE POWER OF YOUR SCARS

Your past experiences shape who you are today. Moreover, your scar is a symbol of your strength. It is a reminder of whatever hurt you has now healed. Be proud of the scars that life has left you with. You conquered the pain and grew stronger on the other side.

Accept what you have gone through and appreciate the lessons you have learned along the way. If you have an opportunity to talk about your scars or to share your wisdom to others, do so.

#5: EMBRACE FAILURES AND MISTAKES

Failures are necessary in life. The mistakes during your first year at work help you become more successful during your second year. Failure helps us to be more compassionate, empathic, and kind to others. Without failure, we would not grow. It is through our failures that we learn the greatest lessons that life has to offer. These struggles help us to appreciate our successes.

“Just because you fail once, doesn’t mean you’re gonna fail at everything. Keep trying, hold on, and always, always, always believe in yourself, because if you don’t, then who will, sweetie?” -Marilyn Monroe

#6: MAKE PEACE WITH THE NOW AND ACCEPT YOUR PAST

If you do not accept your past and make peace with the present, you will not be able to enjoy your future. As you make changes in your life and reach for the next step in the professional or personal ladder, you must acknowledge the importance of being appreciative with where you are now.

Image Credits: unsplash.com

Life is a journey. It is up to you to walk towards something you feel rewarding and satisfying. Know that you are good enough!

Sources: 1 & 2

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