Anna Agoncillo, Author at MoneyDigest.sg

Delicious And Affordable Places For Spicy Dishes

Singapore is a melting pot of various cuisines that cater to all sorts of palettes including the burning one. By burn, I am pointing out the dishes that evoke a desired intraoral sensation by putting spices such as chilli (or chili) peppers and curry. Fortunately, satisfying your cravings for spicy food does not have to come with a price tag that is beyond S$40!

NAKHON KITCHEN

Image Credits: AngieKayExplorer via hungrygowhere.com

For people who love Thai food as much as I do, scouting for an affordable yet authentic restaurant can be a hobby. Look no further than the casual experience that Nakhon Kitchen can bring. Most of its dishes are reasonably priced for as low as S$6. However, its seafood dishes range from S$10-12.

Going back to the topic at hand, Nakhon Kitchen’s resident Tom Yam Soup is a reward for the spicy food enthusiasts. The extremely spicy soup is garnished with the generous amount of chicken and seafood. The distinctive aroma of lemongrass and the taste of sourness will win your heart in the first bite alone.

Location: 212 Hougang Street 21 #01-341, Singapore 530212

KKO KKO NA RA KOREAN RESTAURANT

Image Credits: Kko Kko Na Ra via facebook.com

As it turns out, spicy food seems to gravitate toward the laid-back atmosphere. I am referring to the smooth vibe of the Korean Native Language that diners at Kko Kko Na Ra Korean Restaurant can appreciate. What patrons keep coming back to is their version of a tasty fried chicken. The fried chicken has 4 flavors namely: hot & spicy, sweet & spicy, soy garlic sauce, and original. Stretch your dollar by ordering the “combo set” to get an assorted plate that features all the flavors.

Aside from the chicken, take your spicy taste-buds on a joyride as you devour either the Kimchi Chigae and the Spicy Korean Ramen. The prices of the dishes range from S$15-30.

Location: 57 Tras Street, Tanjong Pagar, Singapore 078996

MELLBEN SEAFOOD

Image Credits: Tapanick Akara via facebook.com

Mellben Seafood has grown immensely since its humble days along the Alexandra Road. Spanning with about three outlets in Singapore, Mellben Seafood is known for its delicious chilli crab. You can expect nothing but huge crabs showered with spicy, slightly sweet, and thick chili sauce. You may request to adjust the spiciness to the level that you can easily bear.

Situated at a Kopitiam in one of the HDB estates, Mellben Seafood at Ang Mo Kio is remotely away from the bustling center of the Lion City. Its menu features a wide array of crab meals such as Chilli Crab, Black Pepper Crab, Butter Crab, and Shimmering Sand Crab. The average price per person is approximately S$35. You can save more by sharing a hearty plate.

Location: #01-1222, 232 Ang Mo Kio Avenue 3, Singapore 560232

SOUTHWEST TAVERN

Image Credits: southwesttavern.com.sg/menus

Please offer a moment of silence as I usher the spiciest challenge in town – the “Spaghetti from Hell”. Food adventurers and novice alike are familiar with this Southwest Tavern dish. Put your chili tolerance to the test as you chug down a seemingly friendly plate of pasta in under 10 minutes. Come out victorious to win S$100 worth of dining vouchers or other rewards. If you are not eager to participate in this challenge, you may choose the level of spice.

Spaghetti from Hell comes in three forms: the Hell’s Gateway (about S$18), the Halfway There (about S$22), and the Level 18 (about S$26). You may also try their Suicide Wings (S$14-22) to intensify the entire meal.

Location: 8 Boon Lay Way #01-33 Tradehub 21, Singapore 609964

This article has provided your with some of Singapore’s top spicy dishes. May you enjoy the tasty burns ahead! 🙂

Sources: 1 & 2

How To Deal With Difficult Co-Workers

In this day and age, you can choose to create a massive wardrobe. You can choose to befriend the people who inspire you. Oh! You can even handpick the gender of your baby.

However, you usually cannot choose the people whom you will work with.

The fixed structure of the workplace allows you to interact with all sorts of people. Every workplace has toxic workers. It is inevitable! Dealing with these difficult people is challenging, yet very rewarding. Increase your positive coping skills by absorbing these tips:

Rise Above The Negativity

Some people love to create a bubble of negativity above their heads. They complain about almost every topic that exists. They feel overworked and underpaid. They do not like their bosses. Nor do they enjoy their jobs. They think their careers are on the brink of destruction!

If you are surrounded by Negative Steve and Negative Betsy, you have two moves up your sleeves. You can either avoid the negative bond or hear the person out. Avoidance is acceptable in this situation as you do not want to create a parasitic relationship (i.e., where one is dependent on the other). Take in the essence of what Tony Chatman, a corporate relationship professional, once said.

“If you bond with someone on a negative issue, they will feel that they have found a partner in their distress, and they will look for you every time they feel something negative.”

My significant background in Psychology supports these ideas. Once you bond with the negative co-worker and stimulate his or her rants, you act with validation. You make the person feel right and that the behavior is acceptable.

The other path opposes the first strategy as it employs active listening. You can initially listen to the complaints of the negative person. Decide whether these claims are legitimate or not. If so, offer assistance to solve the present problem. Know your limitations when giving advice. Suggest reading credible books, attending informative seminars, and consulting the professionals in the company’s Human Resources Department.

Prevent The Spread Of Infectious Gossip

Do you ever wonder how your every tiny mistake reaches your boss? Or, perhaps you are wondering how your embarrassing pictures reached the company’s Facebook group. Search no further than the Office Gossipmonger. Gossipmongers cannot keep their mouths shut when it comes to bad news. Instead of offering help, they seek to lower your credibility to stay ahead of the workplace hierarchy. They love to blabber about different stories as long as it does not involve them.

To prevent the spread of the infectious rumor, you must hold back on the private things about your life. Do not disclose an information that you do want others to know about. Remember that everything you say may be used against you. Donna Flagg, the author of Surviving Dreaded Conversations, highlighted that you must: “keep a safe distance so as to avoid getting sucked into the toxicity”.

As with anyone, there is a positive side to them. You can use them as a tool to spread an important information. If you want the workplace to act upon a specific issue, relay the “confidential information” to the gossipmonger. I am pretty sure that he or she will not be able to resist the urge to spread the message right away.

Learn How To Handle The Resident Bully

Workplace bullies employ emotional, physical, or sexual attacks toward their co-workers. Examples of wrongful acts include inappropriately criticizing one’s performance and taking credit for other people’s work. Consequences of these acts include dreading to go to work and public humiliation (i.e., due to being shouted or called at).

The upcoming fact took me by surprise! Statistics found that 1 in 4 Singaporeans have suffered from workplace bullying with the top aggressors being their bosses (62%) and their clients (21%). To make matters worse, Singapore was one of the few countries with the highest acceptance of workplace bullying.

If you are one of the unfortunate targets of the resident bully, deal with him or her by reading this article.

Image Credits: pixabay.com

Sometimes, prized abilities and proper work ethics do not go hand in hand. This is why toxic or difficult people exist at the workplace. You may not control how these people behave, but you can control how you will react to them. Think about this!

Sources: 1, 2, & 3

Dangerous Misconceptions That Singaporeans Have About Money

Being trapped into the majority’s preconceived beliefs about money is easy. However, debunking these misconceptions will help you to reach your financial goals.

#1: ALL THE SHOPPING MALLS IN SINGAPORE ARE EXPENSIVE

Potential Danger: Risk of diving into debt as you only frequent the high-end shopping centers.

Because of the harmony between the East and West, Singapore offers endless shopping opportunities for its inhabitants. There is a wide array of products sold at the stores. There is a place for traditional and contemporary tastes as well as for foreign luxury and locally-manufactured goods. You can find just about anything in Singapore.

If your perception of shopping was boxed in the hefty category then, you must be frequenting the Orchard Road a lot! Consider heading to the funky flea markets that are starting to boom in the recent years. One of its most popular markets is the MAAD: Market of Artists and Designers.

Image Credits: museum.red-dot.sg/maad

MAAD houses pet-friendly and budget-friendly items for the whole family. Their innovative creators are from independent and are known for artsy fashion and artisan stationary pieces. Here you will find plush toys, handmade jewelry, and paintings. The price range starts from S$10 to S$50.

#2: START WITH A HUGE EMERGENCY FUND

Potential Danger: Risk of setting yourself up for failure.

Emergency fund is an account utilized to set aside money in the event of personal financial dilemma such as unemployment or theft. Most financial planners suggest to build an emergency fund worth at least 6 months of your income. This is tough to accomplish if you are living from paycheck to paycheck.

For instance, your household spends S$5,000 each month. You managed to eliminate 10% of your expenses. Building a 6-month stash can set you back by nearly 5 years. This is too long! A better route is to start small by aiming for an emergency fund of S$1,000. This will help you cover minor financial hiccups. Once you are on track with your debts and retirement account, focus on growing your emergency fund.

#3: ONE’S CPF SAVINGS IS ENOUGH TO COVER RETIREMENT

Potential Danger: Risk of enduring an insufficient fund due to the over-reliance on a single welfare system.

Contrary to the popular belief, your Central Provident Fund (CPF) savings may not be enough to sustain the lifestyle you envision during retirement. Your CPF account is essentially a basic safety net to cushion the minimum standard of living during your golden years. Aim for other streams of income that can help grow your nest. Why?

For starters, your CPF savings depends on how much you earn during your working years. If your income is relatively low throughout the years then, you can expect to receive lesser payouts than your “higher earning” colleagues.
Furthermore, you may use your CPF savings to pay for your present necessities. If you exhausted your account to purchase an HDB flat then, you shall expect to receive lesser payouts.

Image Credits: pixabay.com

Stop making excuses! Plan strategically for retirement, now.

6 Significant Reasons Why You Must Plan For Retirement Now

According to a recent survey by Nielsen, 1 in 3 working Singapore adults are not planning for retirement. This is alarming because many people have curated a list of “excuses” for not saving money. Rather than adding glistening fuel to the fire, this article will give you six good reasons why you must save for your future.

1. TO DANCE TO THE BEAT OF YOUR OWN DRUM

Planning for your golden future likely ensures that you covered your living arrangements for the rest of your life. You can move freely to beat of your own drum without worrying about the perceptions and rules of other people. Believe me when I say that living in someone else’s household robs you of privacy. Discretion is one of the fruits that you can reap from your prudence.

2. TO NOT RELY TOO MUCH ON THE CPF SAVINGS

Your Central Provident Fund account (or CPF Savings) was established to provide a basic safety net to cushion the minimum standard of living during your senior years. You must aim for financial independence and not fully rely on what this welfare system can bring.

3. TO HELP YOU DEAL WITH FINANCIAL HICCUPS

As your body’s reflex interplay, hiccups occur unexpectedly. This applies to your finances too. Regardless of the financial hiccups that you will face throughout your life, a secure nest will do wonders! It can help you cope and save you from bankruptcy.

4. TO MAINTAIN YOUR CURRENT LIFESTYLE

Whether you want to admit it or not, you have stable spending habits that you cannot do away from. It is difficult to maintain these habits if your financial resources are limited. More so, the limited funding can put you at risk of barely being able to afford the necessities. This is why you must set a realistic budget to fit your lifestyle.

5. TO BUFFER COSTS DUE TO UNFORESEEN ILLNESSES

Your body will continue to deteriorate with age. Unless you find the “Fountain of Youth”, of course. Old age usually leads to elevated healthcare costs and unforeseen medical problems. Do not forget to plan for emergencies to support your Medisave account.

6. TO EARN THE COMPOUND INTEREST

Creating a bulk of savings ahead of time can help you earn the compound interest. Compound interest allows you to not only earn interest on your principal deposit, but also on any interest that is credited to your account. It helps your money to grow at an accelerating rate! The longer you keep your money invested, the greater the rate at which your initial investment produces returns.

Image Credits: pixabay.com

Sources: 1, 2, & 3

Surefire Ways To Waste Your Money As A Parent

Many parents, including my own, are guilty of spoiling their children with affection and attention. They spend money on the things that would make their child happy. Do not get me wrong! This is a normal reaction. However, excessively giving in to these impulses can lead to serious monetary consequences.

Awareness is the first step!

Repair your spending habits by knowing the “Four Ways To Waste Money As A Parent”:

ELECTRONIC ENTERTAINMENT

Back when I was a child, coloring books and sticker albums were all the rage. My friends and I used to compare each other’s collections and artworks. Let us fast forward to the present age. The children of today are utterly obsessed with Smartphone apps and video game consoles. Downloading no-cost gaming apps are okay, but its extras come with costly price-tags. Furthermore, the unit upgrades of video game consoles are insanely rapid.

For instance, the Xbox One may potentially be the last generational console from Microsoft. The renowned brand is looking forward to re-imagining consoles by combining its features with a Windows-operated PC.

DESIGNER CLOTHING FOR CHILDREN

Children can have sudden growth spurts. Thus, it is unnecessary to purchase loads of baby or toddler clothes. This holds true for shoes and socks as well. Instead, you may ask your friends and family members if they still have their kid’s outgrown clothes.

A kid’s wardrobe is both temporary and cluttered. This is why you must not purchase designer or boutique apparel.

SPECIAL BATHROOM PRODUCTS

The people behind children’s bathroom products lure you with the vibrant array of cartoon characters in their packaging. Barbie bath bombs and Angry Birds toothpaste sounds attractive in theory. However, they may contain chemicals that are harmful to your beloved child. Look at the ingredients rather than focusing on the pictures.

If you really care for the well-being of your child, you will take care of his or her health first.

INFANT FORMULA

Breastfeeding is among the most empowering gifts that women can offer to their babies. As much as you can, opt for breastfeeding because it will not only be healthy but also be able to save you as low as S$1,500 per year.

You may also borrow a breast pump from your friends or family members, but ensure that you change the plastic attachments. You can buy those for far less than a brand new pump.

Image Credits: pixabay.com

Whether you want to throw an extravagant birthday party or to purchase a domestic pet for your child, there are different ways to flush your money down the drain. It is time to make better choices for your family and your finances!

Sources: 1 & 2

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