Anna Agoncillo, Author at MoneyDigest.sg

8 Inexpensive Home Decor Tips for Newlyweds

After the wedding, the next thing that newlyweds must invest on is the house. You may have to work harder to keep the interior look fresh. And, as you make significant changes in your house, it will have a tow on your paychecks.

But, that shall not always be the case. Here are 8 Cheap Home Decorating Ideas for you love birds…

1. FLARE WITH FRAMES

Add the “wow factor” to your side table by adding an attention-getting frame. Here are a mix of photo frames from Ebay.

Image Credits: DarrelBirkett via Flickr

2. POSH WITH PILLOWS

Whenever guests arrive, the first thing that they will see and stay longer on is the sofa. Dress up your dull sofa by adding bold printed cushions such as animal, island-floral themed or a suede pillowcase. IKEA offers a wide range of pillow cushions designs that range from $1.90 to $19.90! It is not only elegant but it is also affordable!

Image Credits: Stacie via Flickr

3. LIGHTS ARE EVERYTHING

Purchase more in lower-wattage bulbs to change a room’s mood from restful to romantic. And, if you want to take the romantic a level up…use table lamps or floor lamps to put a lights wherever you want to cuddle.

4. PUT A PAINTING ON

You may buy pop-art (Product name: KNISTA) , minimalist, and vintage looking (Product name: OLUNDA) illustrations for only $19.90 at IKEA. This will add beauty to your simple rooms.

5. REVAMP THE WALLS

One of the fastest ways to make your house extra expensive is by giving the walls a new look. Paint the walls of your living room with a higher contrast color to make it pop. Paint your kitchen orange to make the food inducing and the bedrooms purple to make it more relaxing.

Image Credits: Maegan Tintari via Flickr

6. GO GAGA FOR COLOFUL-POTTED GREENS

Having a few small plants in the kitchen will make it feel livelier. Adding a pop of color to its pots or vase will surely make your guests green with envy.

7. RUG IT UP

To quickly fix a room’s problem area, you may throw a rug on the floor. Rugs add an interest and an interesting focal point to the room. Shop around for bargain rug that fits your room.

8. WORK WITH WHAT IS AVAILABLE

One of the most efficient yet no-cost ways to redecorate is to rearrange and repurpose the things you already have. Search your house and think of the items you can change the setting in another room.

Make your kitchen chairs look new again with a little splash of spray paint and new fabric covers.

Image Credits: mattwalker69 via Flickr

These simple decor ways will not only change your house but also your lives as Husband and Wife!

10 Hottest Jobs for 2015

If you are a fresh High School graduate venturing off to College, at some point you may be unaware of which course you will take. As you weigh your options, you may look at what are the in-demand jobs of the year.

To answer your itching curiosity, Economic Modeling Specialists Intl. (EMSI) and CareerBuilder Company got together to gather a new list of 10 Hottest Jobs for 2015. These data are based on the workforce’s supply and demand.

EMSI turns labor market data into useful information to aid organizations in understanding the economy, employees, and work while CareerBuilder is a “classified ads” website that posts jobs for people who are seeking for them.

On that note, here are a number of jobs that are most in-demand for 2015…

1. MARKETING EXECUTIVE

Gap between job postings and hires: 22,996

Job growth (2010 – 2014): +10%

Image Credits: Mari Smith via Flickr

2. SOFTWARE DEVELOPER

Gap between job postings and hires: 21,084

Job growth (2010 – 2014): +15%

Image Credits: Official GDC via Flickr

3. REGISTERED NURSE

Gap between job postings and hires: 21,084

Job growth (2010 – 2014): +15%

4. INDUSTRIAL ENGINEER

Gap between job postings and hires: 18,151

Job growth (2010 – 2014): +9%

5. NETWORK AND COMPUTER SYSTEM ADMINISTRATOR

Gap between job postings and hires: 17,054

Job growth (2010 – 2014): +7%

6. WEB DEVELOPER

Gap between job postings and hires: 15,492

Job growth (2010 – 2014): +17%

Image Credits: Campaign Monitor via Flickr

7. MEDICAL AND HEALTH SERVICES MANAGER

Gap between job postings and hires: 15,070

Job growth (2010 – 2014): +6%

8. PHYSICAL THERAPIST

Gap between job postings and hires: 13,545

Job growth (2010 – 2014): +10%

Image Credits: Official U.S. Navy Page via Flickr

9. SPEECH-LANGUAGE PATHOLOGIST

Gap between job postings and hires: 8,001

Job growth (2010 – 2014): +5%

10. SALES MANAGER

Gap between job postings and hires: 6,309

Job growth (2010 – 2014): +8%

Image Credits: Ken Teegardin via Flickr

Source: MSN

These 10 jobs are the professions for which companies post each month significantly that outnumbers the amount of people they actually hire. Thus, it shows what talents are the companies most hungry for.

4 Free Transportation Apps in Singapore

Traveling through bus or train is certainly cheaper than owning a car. But, it is not a problem for commuters in Singapore. Singapore is celebrated by its tourists and residents because of its globally efficient public transportation services. If you think this is an exaggeration, you need to experience it yourself.

To further aid your journey, a number of mobile application rose. As you dove into iTunes and Google Play, here are 4 powerful yet Free Transportation Apps in Singapore.

1. SINGAPORE MAPS

Itunes
Google Play

One of the challenges you will encounter if you are traveling in an unfamiliar place is to find out how to get from Point A to your destination. With Singapore Maps, you will know which route to take through bus, car, taxi or MRT. Slow internet is never a problem because you can download and unitize the maps offline!

For someone who is highly reliant on Transportation Apps, this simplistic app is the way to go. Aside from Offline Maps, it also has real-time bus arrival time when you tap the bus stop icon.

Image Credits: William Cho via Flickr

2. SGNEXT BUS

Itunes

SG NextBus, displays the estimated arrival time of public buses (SBS and SMRT) in Singapore. It can not only display the distance of the bus stop from the user but also display a widget that shows the bus arrival time. To start using it, simply tap the bus number to get its expected time of arrival.

3. SMRT BOOK A TAXI

Itunes
Google Play

If you don’t enjoy busy phone lines and long taxi queues, request taxis right on your fingertips. With the SMRT Book a Taxi app, you can book a cab without even saying your locations to a call agent. Although, booking details to be confirmed at your convenience. You may also add frequent pickup addresses through their “Favorites” feature.

Keep in mind that getting a cab during a heavy rain might be hard so it is best to secure a taxi by tapping the app and by queuing at the same time.

4. MYTRANSPORT SINGAPORE

Itunes
Google Play

The Land Transport Authority itself developed an app called MyTransport Singapore, to empower the traveling experiences of the nation. This award winning app, allows you to locate nearby bus stops and get its real-time arrival information, dial taxi booking services, determine your MRT/LRT journey fare, and receive notifications about expressway traffics.

Since the government focuses of improvements, you may report road defects through its Snap & Send feature.

Thus ends the list of efficient travel Apps in Singapore. Best of all? All of these can be downloaded for FREE in both iPhone and Android hand phones!

5 Tips For Couples with Joint Bank Accounts: Sharing is Saving

Being in a relationship founded by mutual trust may find it natural to create a joint bank account together.

Since you can trust your partner with everything else, why not trust him/her with your own finances?

But, managing this may be difficult especially when there are two people with different buying habits and priorities.

So, here are 5 Tips to Help Couples with Joint Bank Accounts…

1. HAVE SHARED GOALS

Maintain a joint bank account for big financial goals such as vacations, household bills, or insurance. Whatever the purpose and goals may be, be sure to make it unanimous as both of you will contribute each month.

Image Credits: Asher Isbrucker via Flickr

2. CREATE RULES BEFORE OPENING AN ACCOUNT

Have a plan of how each of you will contribute (e.g. 50-50 or 60-40). As said a while ago, discuss the goals and priorities you want to pursue in order to know where the money will go.

3. MAINTAIN YOUR OWN BANK ACCOUNT

Aside from the joint account, each person is entitled to have an individual account. This is because you must treat yourself or your partner personally without affecting the “household money”.

You might say that this burns the bridges of sharing, but not really. The key to having individual accounts is that both would have access to each other’s account in case of emergency so there are no secrets.

4. RECORD AND MANAGE YOUR EXPENSES TOGETHER

Communicate openly about your joint bank account and organize your expenses. Make it a habit to log on to your online banking account to reconcile all your purchases together (i.e., every week or every two weeks). Through this, you will understand how you are spending the money. Make cut backs if possible so you can save more.

5. REMAIN EQUALS

Embody your marriage vows or treat it like a merger between to companies. Everyone has an equal say and contribution to the shared account. This is why setting up rules and agreement before the processing is very important. Through this, you can keep an open eye if one overspends on something you did not agree on.

Image Credits: BK via Flickr

Ultimately, you must respect each other’s decision and communicate openly about your finances. Having a joint bank account may not be easy, but it is possible! Sharing is not only showing Care but it also Saves money.

More Women Breadwinners: When She Makes More

Evolution suggests that men are designed to hunt while women gather. Gender stereotypes also encourage females to stay at home and to take care of the off springs. But…times have changed.

More Women Work

Based on a study by Prudential Company in 2012, approximately 53% of the sample were women breadwinners while only 22% were married or living with a partner who made more than them. Furthermore, other research showed that about 70% of mothers with children aged 17 and under are in the workforce. And, those numbers are just in the United States. Global rise in dual-career bearer household have increased annually.

Image Credits: Kelly Garbato via Flickr

This fact that women are working more nowadays is something both men and women are accepting. The younger generations were raised to empower equality in the household. Moreover, the quality of life is getting harder as economies fail. And so, there is a great need for both men and women to work regardless of gender stereotypes.

Impact on Marriage When She Makes More

On of the largest impact of this contemporary shift is that it may affect the dynamics of the marriage. Psychology argues that men’s view of the self is formed by his work and his drive to achieve. If that is the case then if the wife makes more, it will make him feel far more inferior and insecure.

To avoid that, Farnoosh Torabi, the author of “When She Makes More”, suggests that most couples assume that if one makes more then that person has more responsibilities in the house, which she firmly stands against. According to Torabi, a couple must constantly make a conscious effort to ask the partner about financial decisions and share it openly with each other. Furthermore she gave these two tips: give everyone’s money a meaning, and treat each other once in a while.

Ultimate Financial Goal

The most important financial goal for women is to have enough money to raise their family, and to maintain the same lifestyle in their retirement. This is why young women need to take steps toward understanding investing. When women avoid investing young, they are losing out on the one thing that knowledge cannot buy– time.

Who makes more than whom should not be a huge matter as the couple’s combined earnings will only benefit not only the both of them but also their children. Couples shall work together and communicated openly on financial decisions in order to share the emotional responsibilities and keep the balance in order.

Image Credits: The Library of Congress via Flickr

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