Anna Agoncillo, Author at MoneyDigest.sg

Your Quintessential Food Delivery Guide In Singapore

Let us face it! We all have those bum moments when you just want to binge watch on your favorite sitcom or drama series while eating a whole lot of food. Aside from the ever so popular 24-hour McDelivery, there are other delivery services that bring you food without having to go out of your home.

Here are some of them:

GLORIOUS PIZZA

a. SAPRINO’S PIZZA

Saprino’s Pizza offers inexpensive pizzas that you can mix and match. You can even create your own pizza by choosing from their meat, vegetable, and cheese toppings. You may also indulge on their gourmet pizzas with flavors such as New York Deli, Sicilian, and Classico Italiano or their specialty pizzas with flavors such as Vegetarian Special, Tuscany, and Pesto Veggie.

We usually order the Pepperoni and Aloha pizza for S$28, inclusive of the delivery charge. Not bad for two 10″ big pizza. Prices of the pizzas range from S$13.80 – S$35.

Operating Hours: 10am – 10pm
Contact Number: 6636 3636
Delivery Charge: S$3
Minimum Order: S$20
Online Orders: www.sarpinos.sg

b. SPIZZA

Spizza first opened with its vision of serving affordable yet authentic thin-crust wood-fired pizza and other delectable Italian dishes. Their beautifully named pizzas including Anna, Claudia, Katerina, and Nadia can be customized by adding toppings for S$4.

If you cannot decide which type of pizza to choose then try their best sellers such as Margherita (Vegetarian), Pamela, and Olivia. The prices of the pizza range from S$21 – S$25.

Operating Hours: 12pm-10:30pm (Break from 3pm-6pm on weekdays only)
Contact Number: 6377 7773
Delivery Charge: S$8 (For orders under S$30)
Minimum Order: None
Online Orders: www.spizza.sg

c. PIZZA HUT

With more than twenty-seven years offering home delivery services in Singapore and continuous improvements, Pizza Hut has become one of the best pizza deliveries here. To many Singaporeans, Pizza Hut is a part of their childhood and its delectable pizzas are always their favourites. Efficient service, delicious pizzas, affordable prices and frequent promotions are what make people love Pizza Hut delivery.

Using special designed Hot Pouches to keep heat and prevent condensation from accumulating, Pizza Hut’s pizzas are always delivered to customer houses hot and fresh. Operating twenty-eight delivery outlets around Singapore, their delivery service is available islandwide and relatively fast.

Operating Hours: 11am – 10pm
Contact Number: 6235 3535
Delivery Charge: S$3.50 – S$4
Minimum Order: S$12
Online Orders: www.pizzahut.com.sg

TEMPTING FAST FOOD

a. KFC

Who does not know Kentucky Fried Chicken? Their world-famous fried chicken is both crunchy and juicy at the same time. Current promotions include Shoyuzu Wings Buddy Meal (S$15.90) and Zinger Hearty Variety Box ($24.90).

Operating Hours: 11am – 10:45pm
Contact Number: 6222 6111
Delivery Charge: $4
Minimum Order: $12
Online Orders: www.kfcdelivery.com.sg

b. SUBWAY

For a healthier and quicker fix, consider Subway’s sandwiches. Subway is an American fast food restaurant that has outlets around the world. In Singapore, they primarily sell sandwiches and salads. My personal favorites are Classic Tuna, Cold Cut Trio , and Spicy Italian (costing about S$5.70 each)

Operating Hours: 9am – 8pm
Contact Number: 6278 2929
Delivery Charge: S$5 (Weekdays) & S$15 (Weekends)
Minimum Order: $15
Online Orders: www.substogo.sg

c. POPEYES LOUISIANA KITCHEN

Popeyes Louisiana Kitchen is a fast food chain that originated from New Orleans, Louisiana in 1972. Carefully blending their spices and seasonings, hand battering their fried chicken, and tenderly cooking every dish to give you nothing but a satisfying experience. I suggest you try Popeyes’ raved fried chicken, rock sugar honey lime chicken, or chicken burger.

Operating Hours: 10am – 10pm
Contact Number: 6545 4555
Delivery Charge: S$4
Minimum Order: S$12
Online Orders: www.popeyes.com.sg

Enjoy feasting! 🙂

Sources: 1, 2, & 3

How To Face The Challenges Of Stressful Deadlines

Love-hate relationship is a perfect description of my affair with deadlines. Deadlines are important because they give you a structured workflow but, it can be very stressful at times. Not to mention, you may encounter several due dates scheduled all at once.

Picture yourself heading towards the end of the day while accomplishing about 30% of your task or project that is due tomorrow. The clock is ticking fast. The real pressure is on. If you feel like panicking – pause! Calm yourself down. You do not want your clients to end your collaborations nor do you want your reputation to be destroyed by your lack of time management skills. Instead, eliminate the distractions and focus on the task itself.

Also, avoid this stressful situation from happening again by following these tips:

1. SET REALISTIC GOALS

No matter how excellent your time management and organization skills are, you will still find yourself in a difficult position if your deadlines are not realistic. If you are a freelancer, clients will typically ask you to assign a deadline by yourself. When this happens to me, I make it a point to have at least 1-2 days in excess in case emergencies arise such as requested revisions. But if you work in the office, ask your boss for at least 1-2 hours in excess to create a high-quality project.

2. ELIMINATE DISTRACTIONS

In a world where the cat videos rule, you must eliminate all the distractions. Close the unnecessary tabs, keep your handphone on silent, and refrain from logging onto your social media accounts. By doing so, you will find yourself to be more productive than ever.

3. TAKE THINGS SERIOUSLY

Beating the deadlines is a serious act. Commit yourself entirely to the tasks by writing them in a piece of paper or in an Excel spreadsheet. Refer back to the list to reduce your procrastinating tendencies.

4. RANK EACH TASK

Before you begin, you must look at your list and contemplate on which project is the most important. Mark it as “high priority”, which you will aim to finish first. After getting passed the time-consuming and complex tasks, you will find yourself accomplishing more as you finish the smaller tasks quickly.

5. REWARD YOURSELF

After a hard day’s work and seeing your clients or boss satisfied, you must reward yourself for a job well done. No other questions asked.

Image Credits: pixabay.com (License: CC0 Public Domain)

Sources: 1 & 2

Honestly, Why Are You Buying Insurance?

Insurance is a safeguard against unfortunate and unforeseen events. It is a strategic way to manage various risks. Insurance companies offer individuals or policyholders protection from potential losses in exchange of payments called premiums.

Aside from guaranteed coverage, what are the honest reasons why people buy insurance? On the flip side, what are the insurance company’s objectives as they offer their services?

OBJECTIVES OF INDIVIDUALS

As you age and progress along the stages of life, you become more and more aware of how necessary insurance is. A number of factors may lead to this realization such as seeing your elderly parents and starting your own family. While you know that you are supported by your CPF account as well as your Medishield Life, you can realize that it may not be comprehensive enough to meet your lifetime needs. This can serve as your wake up call to evaluate your present financial situation and plan for your future and that of your loved ones.

The exact reasons why people buy insurance is unique and highly subjective. However, here are some of them:

a. Worried about critical illness – consider health insurance.
b. Worried about permanent disability – consider life or term insurance.
c. Concerns about the loss of belongings – consider general insurance.
d. Concerns about death (as a breadwinner)- consider life or term insurance.

Image Credits: pixabay.com (License: CC0 Public Domain)

OBJECTIVES OF INSURANCE COMPANIES

Nowadays, insurance companies offer a wide array of insurance products and policies that cover areas from property, health, and travel. Insurance companies must satisfy certain objectives to effectively function and meet their clients needs. Before purchasing one, know some of their objectives:

a. Pooling Money

By collecting premiums from a number of individuals or businesses, the insurance companies are able to pool their money together. They then pay out for the relatively few claims filed each annum. Keep in mind that majority of the policyholders do not file claims over the same period.

b. Financial Competence

Another objective is to ensure the policyholders that they are financially stable. Once one or more policyholders report that they were not duly compensated, society’s confidence in the system may be gone.

c. Influencing Behavior

One of the most important aims of insurance companies is to reward and promote responsible behavior. For instance, individuals with lower records of vehicular mishaps are more likely to be quoted with a lower car insurance premium than those with unsafe driving records. Rewarding safe driving practices can increase the likelihood of such desirable behavior.

Image Credits: pixabay.com (License: CC0 Public Domain)

Sources: 1 & 2

6 Essential Things You Must Have In Your Wallet At All Times

1. BRING IN THE MOOLA

No matter where you are planning to go, it is always a good idea to keep some cash in your wallet in case of emergencies. A general rule of thumb that I employ myself is to store as much money as I am willing to lose (i.e., no more than S$50).

Aside from this, there are other advantages if you carried spare cash such as avoiding ATM service fees and controlling your spending. Purchasing items in cash is Psychologically beneficial than paying with credit cards because it makes you more aware and cautious of your spending.

2. USE WHAT YOU HAVE

Use the money you have while avoiding the inconvenience of carrying loads of cash by bringing your debit card along with you. Maintain security by refraining from putting notes of your PIN or password beside it. Believe me, some careless people do this!

3. RECEIVE THE REWARDS

Having your credit cards handy will only tempt you to shop for more. But if you pay off your credit card balance consistently each month, you might as well maximize its rewards and discounts.

For instance, use your credit card for grocery shopping. Grocery shopping can be costly at times especially because businesses are becoming more competitive. And if you were to use a credit card, be sure to indulge on all of its discounts. Check out this list for more information.

4. KEEP THE COUPONS

Couponing is a strategy used by a consumer to pay less in shopping for groceries, tickets, and more. You may shy away from coupons but once you see the real value of their savings by looking at the receipt, you would realize how great it is.

In order to receive its benefits, you must always put the coupons of your favorite stores inside your wallet. Aside from the coupons handed by the salesperson, get coupons for dining, leisure, toys, pets services, and just about anything at cuponation.com.sg or groupon.sg.

5. STORE LOYALTY/MEMBERSHIP CARDS

One of the surefire ways to save money while you shop is by organizing your loyalty or membership cards in your wallet. These types of cards deliver discounts and rewards points that will lead to bigger savings in the long run.

If you frequent Sephora, do sign-up for their loyalty program and receive up to 10% discount and other exclusive benefits – for free! Simply fill up quick form by approaching the cashier or by politely asking their staff.

6. PASTE YOUR CONTACT INFORMATION

In case of emergencies such as accidents or loss of belongings, a kind stranger will be able to help you if you keep a list of your most important contacts. This list must contain at least three of the phone or handphone numbers of your most trusted peers or family members.

Image Credits: pixabay.com (License: CC0 Public Domain)

*Simple Reminder: Do not place all of your personal information inside your wallet as it can lead to identity theft if it falls into the “wrong hands”.

Sources: 1 & 2

Interesting Ang Bao Facts Every Singaporean Shall Know

It is that time of the year again! We are about three weeks from the festivities of the Chinese New Year. Family reunions, abundant food, and small red packets called “Ang Bao, Hongbao, or Ang Pao” shall grace Singapore once again.

The color red embodies luck that is supposed to ward off the evil spirits. Along with its potent color, here are 5 Ang Bao Facts Every Singaporean Shall Know:

1. AMOUNT TO GIVE OUT

There is no specific standard on the lowest or the highest amount to give but the amount definitely reflects your character as a person. A simple survey on TheAsianParent Facebook Page showed that readers usually give out S$2 – S$80 to children in 2014. Although, Singaporeans usually give out S$6. If you are truly in touch with your Chinese roots, you will give out an amount ending with an even digit as odd digits are traditionally associated with funerals.

2. NOTES TO PUT IN

Generally, the number of notes you put it does not matter as long as the amount you gave is in the range of what is expected. Most Singaporeans do not mind if you opt for putting four S$2 or two S$5 notes! However, leaving even-numbered notes is believed to bring out future success!

3. NUMBER FOUR

Some people are likely to avoid giving amounts in fours such as S$40, S$44, and S$400. This is due to the fact that the number “4” is similar (or rhymes) with the word “death in several Chinese dialects.

4. DIFFERENT NATIONS

Since Singapore is a mixture of different cultures, we as a nation have created practices centering red packet gifting. It is not uncommon to have marriages between two different races, leading to traditional practices being modified or ignored. But aside from the Chinese, nations such as Vietnamese, Japanese, Filipinos and South Koreans have similar customs.

5. DIFFERENT CELEBRATIONS

Aside from Chinese New Year, red packets are given to religious practitioners and lion dance performers as a payment for their excellent service. Also, it is given to couples during wedding banquets. The minimum Ang Bao amount for this event is about S$50. It certainly is “little” compared to the minimum of S$150 handed out in Taiwan.

Image Credits: pixabay.com (License: CC0 Public Domain)

Let us be the first to greet you, advance Happy Chinese New Year!

Sources: 1, 2, & 3

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