How to Save Money to Grow Your KPop Merch Collection

Fangirls and fanboys show their love for their idols in different ways. While some fans show their loyalty by attending every concert, others show their appreciation by purchasing KPop merchandise. Buying albums is one of the best ways to support their idols as it will help the singers or bands to hit top spots in the physical and digital music charts.

To help you get started in buying and saving for KPop merchandise (merch), here is an easy guide:

CHOOSE EITHER OFFICIAL OR UNOFFICIAL MERCH

There are two types of KPop merch – official and unofficial goods. The former is released by the KPop star’s entertainment company. Official merch includes albums, photo books, lightsticks, concert items, and DVDs. A percentage of the sales will go straight to your idols. The latter is usually cheaper than the former. The unofficial goods are fan made and will support the fans’ small businesses. Unofficial goods include fanarts printed on shirts, mugs, stationery items, and keychains.

SCOUT FOR DISCOUNTS

Always keep a lookout for discounts on shops that offer KPop merchandise. Start by scanning online to see whether these stores have posted their recent promotions and events on their websites and social media pages. You can also inquire locally by asking physical merchants whether they have an upcoming promotion. Compare their rates to Singapore marketplaces to ensure that you get the best deals.

KNOW WHERE TO SHOP

KPop merchandise is available on international websites such as Amazon and YesAsia. Items are also available in physical stores such as Infinity Kpop (City Gate) and House of Kpop (Orchard Road). You must first identify the merchandise that you are looking for. Then, do your research on the prices offered by the physical and online stores. Choosing the cheapest places to purchase your desired items will help you save a considerable amount of cash.

MANAGE YOUR CASH

If you are planning to purchase the newest album by ENHYPEN or NewJeans, allot a specific budget by planning ahead. To avoid using your credit cards or borrowing money that is not yet in your hands, you can save up for the coveted item.

For instance, you are expecting that you’ll be getting your salary in a few days, so you decided to pre-order the merchandise and pay for it later. Once you receive your salary, you may experience cash shortage because of your fixed expenses. Having a plan helps avoid overspending and debts.

RESIST THE MARKETING TRAPS

Marketers want you to spend money by targeting their ads to the people who are able to shell out their cash in Kpop merchandise. They have this mentality of: “Don’t go broke but also buy, buy, buy.” It is the marketing department’s job to sell you items, even if you do not need them. So, do your best to resist the marketing traps.

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If your savings are not enough to fund your attendance at all the concerts or your eagerness to collect all your idol’s albums, do not let the marketers sway you. Find price-comparison websites to get the best deals before purchasing goods featuring BTS, Jessi, BLANKPINK, and so on.

Sources: 1 & 2

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6 Undeniable Reasons Why You Should Buy Luxury Makeup

Over the last decade, the beauty industry has exploded into a multi-billion-dollar industry. Dermatologists, beauty experts, and celebrities alike are launching their own high-end beauty brands. Not to mention, drugstore makeup widened their range of beauty products. You have probably once thought why do some makeup products, which all appear to be similar at first glance, carry different price tags?

Well, some products may seem like an investment, but the benefits are vast. If you are considering investing in luxury or high-end makeup, here are some reasons why it is beneficial to spend more on the products that you apply to your face.

#1: PRODUCTS ARE LONGER LASTING

You will keep reaping the rewards for much longer when you invest in luxury facial serum, body oil, or fragrances. Luxury brands offer richer, deeper, and more premium kind of beauty experience that comes with longer lasting results. When you invest in high-end beauty, you pay for ingredients that are meant to last.

#2: BETTER INGREDIENTS WERE USED

Drugstore beauty brands may have active ingredients such as retinol, hyaluronic acid, and glycerin. However, the amount can be negligible compared to luxury brands. Luxury brands offer pure, authentic ingredients, which may be harder to source. While both high-priced and low-priced products can have the same ingredients, the former tend to have more potent ingredients.

Karen Kagha, a Los Angeles-based board-certified dermatologist, shared that she “like for the ingredients and studies/results to inform my opinion about a product’s performance.” She highlighted that many luxury brand names have combined effective ingredients and great branding over the years.

#3: QUALIFIED CONSULTANTS ARE READY TO HELP

When purchasing luxury makeup, there is always somebody qualified to help you both before and after the sale. Whether you are in the physical store or purchasing online, you can chat or live chat with the beauty consultant to help you find a product that suits your skin best. Apart from the premium ingredients, you are investing in the expertise of these beauty consultants too.

Some of the typical queries of customers are finding the right color to purchase the right foundation and finding the correct style of lipstick to suit one’s lips. Brands that offer beauty products at a cheaper rate are generally self-serving and provide no aftercare if you need further help afterwards.

#4: PRODUCTS COME WITH QUALITY PACKAGING AND APPLICATORS

Luxury makeup looks more pleasing when you pull them out of your bag. Apart from its attractive exterior, it is unlikely that high-end makeup will come with a smashed palette, product faults, and broken mechanism. These products come with quality brushes or appropriate applicators instead of the standard widely produced sponges. These applicators make a dramatic difference in how your face will look and how well you apply the products.

#5: LUXURY CAN MAKE YOU FEEL GOOD

Strategic marketing is a big part of luxury brands. Luxury brands spend a chunk of their budget to entice customers all over the world. The packaging or how the product dispenses can make the consumer feel good about their makeup. The feeling of exclusivity and value should not be discounted as it can help boost someone’s overall confidence!

#6: WE ALL DESERVE A BIT OF LUXURY

Whether you have been saving up for a luxury makeup item or have extra money to spend, you deserve a bit of luxury. With the mask mandate slowly easing, our face is the first thing that people see when we meet them. Take care of your face by putting quality products that will last long. Do not be shy to walk inside the luxury beauty stores at The Shoppes Marina Bay Sands and simply enjoy the experience. If you have enough money saved up and you are not hurting your credit score, you can treat yourself to luxury beauty items every once in a while.

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Start and end your day feeling beautiful – because you are!

Sources: 1, 2, 3, & 4

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Is It Cheaper to Go Healthy in Singapore?

The rise of social media influencers in recent years made healthy living trendy again. Quinoa meals and Tracy Anderson-esque workouts are no longer limited to celebrities. From salad bars to cold-pressed juices, we are increasingly surrounded by healthy lifestyle options trying to get us to convert.

Before you embark on this significant lifestyle change, you need to understand the monetary costs and benefits of having a healthy lifestyle. When friends or co-workers tell me they do not eat healthily because it is more expensive, I get it! A simple salad can cost S$10 to S$20 if you are dining at a restaurant. In comparison, a hawker centre meal costs about S$5, while a fast-food set meal averages to S$6.

At a glance, it makes more financial sense to choose the less healthy options. However, spending a little more money on healthy, balanced meals goes a long way. For starters, eating healthy lowers the risks of being diagnosed with diet-related chronic diseases such as diabetes and high cholesterol. Moreover, numerous studies have shown that a healthy diet helps manage one’s mental health and stress.

On that note, let us discuss how much it costs to choose the healthier options in Singapore.

#1: HEALTHY EATING

The inconvenient truth of converting to a healthier lifestyle is – you’ll have to learn how to cook. Contrary to popular belief, eating healthy is not limited to boiled chicken breasts and eggs for the rest of your life. Eating healthy steers away from processed food, empty-calorie meals, and sugar-rich treats.

A 2021 article estimated the amount you will spend weekly when you make regular, semi-healthy, and healthy meals in Singapore. According to the article, a regular meal costs S$114.62, a semi-healthy meal costs S$129.65, and a healthy meal costs S$171.10. Based on these calculations, healthy meals cost S$56.48 more than the regular meals and S$41.45 more than the semi-healthy meals. Although the prices for produce and ingredients have increased today, this article gives us a taste of the differences between healthier and least healthier meals.

Eating healthy may not be a cure-all, but it can help you lower down the chance of getting diet-related illnesses. The additional costs of eating healthy meals per week sound like a better deal than dealing with the medical costs attached to diet-related illnesses.

#2: HEALTHY VICES

One of the first things that pops to mind when talking about lifestyle vices is smoking. A packet of cigarettes costs about S$13. If you consume one pack of cigarettes a day, that could take you back by S$195 per month. In a year, you will have spent about S$2,340. Isn’t that insane? Successfully kicking this harmful habit to the curb could potentially reward you with a holiday trip overseas.

Instead of subscribing to harmful vices, you can incorporate healthy vices into your lifestyle. Healthy vices include regular sun exposure (your source for Vitamin D), adequate sleep (at least 7 hours for adults), and getting massages (to help reduce the secretion of stress hormones).

#3: HEALTHY TRANSPORTATION

It is no secret that owning a car in Singapore comes with a hefty price tag. Apart from the petrol and parking, you must shell out money for its maintenance. For others, their additional transportation expenses include taking a cab or Grab on weekdays. If you are serious about getting in shape, then you can walk whenever possible.

If it’s too hot, you can take public transport for a portion of your journey and walk the rest of the way to work. Think of all the money you will be able to save and the pounds (lbs) you will lose if you can keep this going.

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Consistency is key in maintaining a healthier lifestyle. Do not assume that eating healthy meals for only two weeks will have positive effects to last a lifetime. In fact, if you take dramatic dietary changes frequently, you will be putting your body through unnecessary stress. Enjoy the health benefits of eating and living well by making consistent and conscious choices. Do not give up and stick to your plan!

Sources: 1, 2, & 3

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How to Overcome the Fear of Trying New Things (Again)

The new Year of the Rabbit is the perfect time to take the leap by learning or trying something new. You can take up ceramics, learn French, start a book club, plant a seed, go back to the dating scene, or try indoor rock-climbing. As for me, I have to learn how to drive again.

I started learning how to drive in 2016 and encountered several accidents in the first few years. As time passed, I became more fearful and started to avoid driving by myself. I do not want to quit just yet. I am slowly regaining the confidence I once had.

The thing that no one mentions about stretching yourself is that it really sucks sometimes. Yes, trying new things is exciting, but it can also be terrifying and embarrassing. Getting over the initial fear of trying new things and actually having fun is part of the journey.

On that note, here are four strategies you can apply to overcome the fear of trying new things.

#1: JUMP WITH THE RIGHT MINDSET

People tend to approach a new experience in two ways – wanting to learn a skill or wanting to master it. The former encourages the learner to make mistakes and figure out how to do the process while having an enjoyable time. While the latter finds delight in doing well, impressing others, and discovering their natural talent in something.

Learning a new skill and having the ability to laugh at your own mistakes takes off the pressure. Creating mishaps is part of the process. For instance, you want to finish a marathon. Running in under two hours can be your goal, but getting in shape and meeting new friends are worthy outcomes too.

#2: REMEMBER THAT IT’S OKAY TO NOT LOVE IT RIGHT AWAY

No matter what new skill you are trying to learn, it is more likely that you won’t have a blast at the beginning. Organizational behavior researcher Keith Rollag once highlighted: “From an evolutionary standpoint, trying new things, for much of human history, could have been dangerous. Your performance can have a big impact on your status.” Status affects our ability to get the resources we need to survive. The fear of trying new things was an issue of survival.

One of the challenges of starting new experiences, joining new groups, and meeting new people is the anxiety of being the newcomer. Not loving the process right away is not a sign that you have made a terrible mistake. Instead, it is part of being human.

#3: DON’T CONFUSE YOUR FEELINGS

Anxiety and excitement are two sides of the same coin. Ever notice that all these feelings manifest in the same way? Whether you are nervous or excited, you get butterflies in your stomach and sweaty palms. You pace back and forth. Notice a man in his first job interview and compare it with a man who is about to propose. Both men feel adrenaline coursing through their veins. The body interprets the high-stakes situation in the same way.

This just shows that the brain is creating the story we tell ourselves. Bringing awareness to this fact will help us to manage our feelings better.

#4: BREAK IT DOWN INTO SMALL PARTS

The best way to deal with your current situation is to break down a task into manageable steps. When Michael Phelps competed in the Beijing Olympics, he had to swim with visual challenges. His goggles began filling with water the moment he dove in the 200-meter butterfly race. He recalled the race in an interview with CBS News:

“They started filling up more and more and more. And about 75 meters left in the race, I could see nothing. I couldn’t see the black line. I couldn’t see the T. I couldn’t see anything. I was purely going by stroke count. And I couldn’t take my goggles off because they were underneath two swim caps.”

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Despite not being able to see where he was and where he was going, he counted the strokes. He bagged the gold medal in that race and broke the world record. Breaking down the task into several parts motivated him to finish the race. A person who is learning how to drive can start by learning the safety protocols and theoretical background of driving, before practicing in an actual driving course.

Learning takes time and your journey is uniquely yours.

Sources: 1 & 2

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5 Mind Tricks to Help You Stick to Your Budget

When it comes to spending less and saving more, it is tempting to bury our heads in Sentosa’s sand. The way we manage our finances today is entirely different from the way money was managed in the past. It is getting increasingly easier to spend money, and more challenging to save money.

When done right, budgeting can direct a series of clever financial choices to move you closer to the things you want out of life. Take the time to get this right at the start, to give yourself a massive advantage and benefit from the results for years to come.

Start by using simple brain tricks to help you stick to your budget.

#1: TREAT YOUR SAVINGS ACCOUNT LIKE A BILL

Consider your savings account as another monthly bill. Start by allotting money towards your fixed expenses, followed by assigning a certain amount towards your future. You can use this fund either for your retirement or your future goals, but do not go out and blow it on things you do not need.

Saving for your future is just as important as paying your other bills. When you treat it that way, you will develop a wealth-building mindset.

#2: MAKE SMALL BARRIERS TO CURB YOUR SPENDING

The convenience of online banking and banking apps cannot be denied. Your banking app can show you the movements of your funds in real time. Moreover, you have the ability to input your debit or credit cards directly onto your phone to experience fast payment processes. When there is no barrier between you and your money, it becomes easier for you to spend more.

Place a barrier between you and your emotional shopping tendencies. Whether you are keen on putting a long passcode on your banking app or using two-factor authentication for your online banking, you will be less tempted to spend when barriers exist.

#3: GAIN CONTROL OF SMALL, FREQUENT PURCHASES

Your small, frequent purchases add up. Every time you buy a coffee or eat out, your ability to save decreases. It might not seem too much at the moment, but it adds up to a significant amount. Track your expenses by writing down every small purchase per month. This will increase your awareness and help motivate you to cut down on your spending.

You might be shocked to see the number at first. However, you will be able to recognize why you are struggling to save.

#4: WAIT 15 MINUTES BEFORE MAKING A PURCHASE

As you are walking down the aisle of the nearest grocery store, you find it difficult to resist the promotions from left to right. Control your spending by giving yourself 15 minutes to ponder about your potential purchase. Giving yourself 15 minutes will allow you to resist your impulsive purchases.

If you can, it is even better to wait for a full day or a week before making purchases. Remember that having a waiting period is the best way to train your brain.

#5: GO OUTSIDE OF YOUR COMFORT ZONE

We are creatures of habit. This is why people resist changing their insurance provider, telecommunications provider, and so on. There is a desire to keep everything the same and anything different can be perceived as a loss.

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However, staying in our comfort zone means that we are paying more for services than we need to. Pushing yourself out of it will allow you to shop for the best deals. Start with reassessing your mobile plan, before moving to your utilities, insurance, and other providers. Revisiting these plans on a yearly basis will ensure that you are maximizing your hard-earned money.

Sources: 1 & 2

 

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