10 Gifts You Should Never Give This Christmas

There is nothing worse than watching someone opening your gift and pretending to like it! Avoid cringe-worthy moments like this by familiarizing yourself with the following types of gifts that people would rather not receive this Christmas.

Do not waste your money on these gifts!

#1: PETS

Living, breathing creature as a present is a bad idea! Being stuck with them for the remainder of your life can seem scary, especially if you will gift a lizard. Never get someone an animal they may not be able to take care of.

Image Credits: pixabay.com

#2: EXERCISE GEAR

What message are you sending by gifting exercise gear? We all have at least one friend who is obsessed with fitness, gifting exercise gear to said friend is acceptable. However, you do not want to risk unintentionally insinuating that he or she needs to lose weight.

#3: WORK DRESS

Gifting a work dress is tricky! You might not get the right size. Can you imagine the look on your friend’s face when you bought a Size 10 and she wears a Size 4?

#4: ROMANCE NOVELS

Not safe for work, novels can be embarrassing to open in front of friends and family. There would be so many shades of red if that happens.

#5: WRINKLE CREAM

It is insulting to insinuate that someone needs anti-aging creams. What about giving a nice, seasonally scented lotion instead? Peppermint or cinnamon lotion sounds delicious to me!

#6: AN OUTDATED CALENDAR

It might seem like an obvious one, but you would hate to receive a calendar that is only good for a month. Do not give a calendar for a year that already happened.

#7: CLEANING SUPPLIES

Your friends and family are going to wonder what you are really trying to say if they were to open a bag filled with cleaning supplies. Your cleaning tools and sprays might put a smile on your face, but you might send a wrong message across.

#8: GYM MEMBERSHIP

Much like giving exercise gear, signing someone up for a monthly gym membership could have a negative connotation. Plus, aside from its potential for offense, a gym membership serves as a reminder that New Year’s resolutions are right around the corner.

Image Credits: pixabay.com

#9: SOUVENIRS

Did you just visit Bali or Maldives? Then, they do not need a tacky magnet to commemorate your experience. Look for inspiration elsewhere.

#10: HOVERBOARDS

They were the hottest toy years ago but have proven to be dangerous. Authorities recalled thousands of models all over the world. So, please find a safer toy to give to your favorite nieces and nephews.

Sources: 1 & 2

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12 Cheap Thrills to Enjoy this Weekend

Living a frugal life does not have to be dull and boring! Keep yourself entertained while maintaining your budget by checking out these free or cheap things to do this weekend.

#1: READ A BOOK OR TWO

Dive into the mysteries and magical adventures of your favorite book. If nothing on your bookshelf strikes your fancy, you can take a trip to the local library to borrow one. You can also download free eBooks online.

#2: WATCH A MOVIE

Movies like Black Panther: Wakanda Forever and Black Adam are now streaming in cinemas. You can either watch a movie there or go to the public library to check out a film that you can rent. Netflix has a selection of newly released films too! Take advantage of your subscription with this streaming service.

#3: PLAY INDOOR GAMES

Invite your loved ones for a friendly game of cards or puzzles. If video games are more your speed, check out the free or cheap games available at the app store or other free gaming websites.

#4: PLAY OUTDOOR GAMES

Searching for an athletic endeavor? Grab your basketball or volleyball and head to the park. Join the recreational sports groups in your community. Some are free and others can cost you a registration fee.

#5: GO TO THE THRIFT SHOP

Hunt for bargains at the local thrift or flea shops. Remember, you do not have to buy anything. Browse around and watch out for great deals. It is more fun to try things on!

#6: TAKE A HEALING WALK

Smartphones, podcasts, and earbuds have transformed a walk around the neighborhood from mundane to entertaining. Even if you do not have access to good audio, stepping out for a stroll can help boost your mood. Check out this list of the best nature trails in Singapore.

#7: TAKE A LONG HIKE

Immerse yourselves with the sights and sounds of the natural world. Check out Singapore’s list of trails and parks and choose a beautiful long trail. Then, pack lunch and a water bottle to complete your hike.

#8: CYCLE AROUND

If you have a bike, ride around the neighborhood, and explore your surroundings. Do not have a ride? You can rent a bike at the East Coast Park Bike Shop.

#9: LISTEN TO PODCASTS

Your smartphone is the perfect podcast player! Use it to browse the various categories of free podcasts. Whether you are listening through Spotify or Apple Podcasts, you can keep it playing during a solo walk.

#10: TEACH YOURSELF TO KNIT

A lot of homes have yarns and a couple of knitting needles stored somewhere. If you do not have these, you can find a friend who will lend you a knitting set. Or you can head to the nearest Daiso to grab some supplies. The basics of knitting are easy. Here’s a great “getting started” tutorial that you can watch.

#11: TEACH YOURSELF ORIGAMI

Make origami decorations to beautify the Yuletide season. For example, you can create paper snowflakes or butterflies. You can aim to learn this skill and make decorations for future events.

#12: TEACH YOURSELF TO DANCE

Use your radio, speaker, or TV to dance to your favorite tune. You can invite your partner for a romantic dance. Who knows? It might become one of your top fun things to do on a Saturday.

Sources: 1 & 2

 

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What Is the Importance of Money Management?

Creating your budget is crucial, but managing your budget is arguably even more important. You cannot just write down a budget at the beginning of the year and never look at it again. You must continuously manage your money with an updated budget to monitor your finances for every month.

Moreover, this budget will guide your plans to achieve your long-term goals. On that note, let us discuss the definition of Money Management.

What Is Money Management?

The process of keeping track of your finances is called Money Management. This includes your spending, savings, budgeting, and investing behaviors. It is the key to helping you save money to accomplish your personal goals. You need to find a management technique that works for you as everyone manages their money differently.

What Is the Importance of Money Management?

There are multiple reasons why managing your money is important to your life. Firstly, it helps you to stay on top of your finances. You will be able to tell whether you are overspending before you get hit with overdraft fees. Money management also helps you to avoid incurring too many fees on your credit card bill.

Secondly, money management helps you plan for your future. My partner and I recently got married. To help save for our wedding, we made some down payments to the suppliers through careful monitoring of our cash flow. Managing your money increases your knowledge of savings and aids in accomplishing your financial goals.

Image Credits: pixabay.com

Thirdly, money management keeps track of your expenses. How much do you spend on rent and groceries? Perhaps, you can cut back on some unnecessary expenses such as your monthly subscriptions.

Lastly, money management increases the sense of security. There is nothing worse than feeling overwhelmed when it comes to your finances. Reduce the unwanted feelings and be able to pay off the next bill by closely monitoring and managing your cash.

Source: 1

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Just Got Married! Now What?

Marriage is about teamwork and compromise. Whether you have been married for two weeks or two decades, it is essential to be able to work together with your partner. The reality is that working together can be challenging, especially when it comes to your finances. In fact, the majority of divorced adults cited money as the reason for their separation.

You can tackle money as a team with honesty, communication, and dedication to a shared plan!

#1: CREATE A HOUSEHOLD BUDGET

A budget should tell you how much money you anticipate having and where it will go. Your income and expenses will change once you are married. It is important that you create a new combined household budget and revisit your Indvidual budgets to adjust to the marital shift.

#2: SET SHARED PRIORITIES

What do you value the most as individuals? What do you value the most as partners? Personal management begins with understanding your priorities and what you want. As you come together, you will need to merge those priorities and ideas to filter what you both believe in. These priorities will help influence your most crucial money decisions.

#3: SIT DOWN TO DISCUSS

It is unpleasant to talk about money during inappropriate times or when your spouse is not ready to discuss serious matters. Do not discuss money at random times! Pick a specific date to talk deeply about money. This mutual time for a meeting will enable you to stay on the same page. Feel free to raise your concerns to produce a shared solution.

#4: EMBRACE YOUR DIFFERENCES

Everyone has a different relationship with money. It is not a requirement that you understand how your spouse feels the way they do, but it is important to recognize and respect those feelings. Accept that differences are inevitable.

#5: ESTABLISH A JOINT EMERGENCY FUND

Once you and your partner are living together, you can both work on setting aside funds for any potential emergencies such as unemployment and sudden home repair. A high-yield savings account can be the perfect place to build this joint emergency fund. Set aside cash savings that is equal to about six months’ worth of your joint fixed expenses.

#6: HAVE A SHARED CREDIT CARD

Maximize the rewards you can earn on all your joint purchases by opening a joint credit card or having your spouse become an authorized user on your credit card. If you sign up for a rewards credit card, you can use your newly established joint checking account to pay off that credit card every month. This will increase your bonuses and rewards along the way.

Image Credits: pixabay.com

#7: TRACK YOUR SPENDING

Another way to avoid fights about money is to track your spending. There are no surprises when you track your spending together. There is many personal finance management software available for free such as the Expensify, Spendee, Money Lover, or Mint app. You can also do the old school method by creating a ledger. Knowing where your money is going is just the first step! Working together is all about transparency.

Sources: 1 & 2

 

 

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What Your Expensive Perfume Says About You

Do you ever wonder what message your perfume sends to others? What does your signature expensive perfume evoke about your personality?

While I stick to floral scents daily, I also love to pick a perfume based on my mood and where I am going. If I am going out on a date night, I want to go for something that smells more flirtatious. While I am on a hike, I would choose something more subtle.

On that note, here is a fun guide to what your scents say about you.

#1: FLORAL

Gravitating towards floral scents makes you seem warm and inviting. There is something comforting about hugging someone that smells like lavender or rose. It is a universal scent that sends a sweet signal to others.

For floral scents, you can go for Coco Mademoiselle by Chanel or Dolce by Dolce&Gabbana.

#2: WOODY

Fragrances that are dominated by woody scents typically contain Pine, Patchouli, Vetiver, Sandalwood, and Cedarwood. There is something mysterious about woody perfumes. It evokes humility and being grounded, just like you. These scents are unisex and can be sexy, without being overly feminine.

You can try Tom Ford’s Oud Wood or Byredo’s Gypsy Water Eau de Parfum.

#3: FRUITY

When I think of fruity scents, I imagine the fun and flirty tropics. Visualize sitting by the beach while sipping your favorite cocktail and chatting with your friends. Fruity scents evoke your playful side, which does not take things too seriously.

Fruity lovers can enjoy the whiff of Versace Yellow Diamond or Sonia Kashuk Eau De Toilette in Yellow Alluriana.

#4: SPICY

Sexy and confident are two words that encapsulate the beauty of spicy scents. If you could be a celebrity for a day, you will embody Sophia Loren. An Italian actress that exudes luxury.

Add spice to your life with Yves Saint Laurent’s Black Opium Eau de Parfum or Donna Karan’s Liquid Black Cashmere Eau de Parfum.

#5: VANILLA

Vanilla may have a reputation for being bland, but when it comes to perfume it is quite the opposite. Fans of vanilla scents are often outgoing, loud, and love being the life of the party. These people have lots of energy and are most likely found dancing until dawn.

You can opt for Perfect by Marc Jacobs or Lovely Patchouli 55 Classic Eau de Parfum by KRIGLER.

#6: COCONUT

Coconut lovers are always on trend. If you are a fan of this scent, you like to be on top of the latest trends. Your weakness is being a little sensitive when it comes to criticisms. In this case, you unleash your creativity!

Image Credits: unsplash.com

If anyone knows how to create beautiful coconut perfumes, it is Versace and Estee Lauder. Buy the Versace Crystal Noir Eau De Parfum or Estee Lauder Bronze Goddess Nuit.

Sources: 1 & 2

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