MoneyDigest - Personal Finance, Lifestyle, Money Saving Tips

3 accommodations amidst nature for under $90/night in New South Wales, Australia

Sick of Singapore’s city life and want to take on a healing trip amidst nature without breaking the bank?

It’s the same for us.

Thus, we have sourced a couple of rental units in New South Wales, Australia that will allow you to reconnect with the outdoors for under $90/night.

Keep reading!

Caravan farm stay in Tintenbar for two

Price: $74/night (for 2 persons)

Built on a large veranda made from sustainably sourced timber, this retro caravan is THE basecamp for your countryside escape.

Wake up to birdsong, splash your feet in the creek, and watch koalas and wallabies as you please.

Inside, the caravan has a comfy double bed, an equipped kitchen with a gas stove and oven, a dining table, and storage.

The shower comes with a panoramic window that you can gaze out as you clean up.

This farm stay promises an escape back to simpler times, reconnecting you with nature.

And yes, do enjoy the FREE welcome basket prepared for you by the host!

Light-filled studio that used to be home for alpacas

Price: $86/night (for 2 persons)

Next, we have this brightly-lit studio that once sheltered a herd of alpacas.

Sited amid greenery, this accommodation features a queen bed, outdoor shower, and composting toilet overlooking nature.

Wake up to the sounds of wallabies grazing and birds singing and sip your morning coffee on the porch and watch the mist rise over the hills.

Or stroll down to the creek to spot platypuses and turtles when you feel like it or feed the resident alpacas at noon.

A 20-minute drive leads to a scenic waterfall, while The Channon Village with its pub, stores, and tearoom lies just five minutes away.

You have full access to the studio, shower, toilet, and lawn for a getaway in nature, far from the hustle.

Glamping-style stay with views of the surrounding mountains

Price: $89/night (for 2 persons)

Last on our list, we have this glamping-style stay above the treetops with views of the surrounding mountains.

This tent sits on a raised deck where you can soak in the view from your comfy queen bed as the sun rises over the valley.

When the sun sets, lay back and gaze at the stars at night, surrounded by the sounds of nature.

The eco-friendly compost toilet and hot outdoor shower are only steps away; electricity and wifi keep you connected while the portable heater ensures comfort on cooler nights.

Enjoy sunrise coffee and sunset cocktails from your private deck, then ready yourself for a sound slumber for a night, a weekend, or longer… it’s your call.

Whether you’re a nature lover or a traveler seeking a peaceful escape, the abovementioned rentals in New South Wales prove to be a haven for your next getaway. With affordable accommodations nestled amidst nature’s embrace, all you have to do is unwind, recharge, and discover the wonders of Australia. So, pack your bags, it’s time to let nature take over!

S’pore’s Budget 2024: Your Roadmap to Financial Aid & Cash Bonuses

In response to concerns over the cost of living, Deputy Prime Minister Lawrence Wong unveiled significant measures during his Budget 2024 address last February 16, 2024, aimed at providing increased financial support to Singaporeans. Here’s a comprehensive timeline outlining the various cash payouts and assistance schemes slated for implementation:

APRIL
– U-Save: S$110- S$190
– S&CC Rebate: 0.5 – 1 month

JUNE
– CDC Vouchers: S$300

JULY
– U-Save: S$165-S$285
– S&CC Rebate: 0.5 – 1 month

AUGUST
– Cash Payout: S$450 or S$850

SEPTEMBER
– Cash Payout: S$200- S$400

OCTOBER
– U-Save: S$110- S$190
– S&CC Rebate: 0.5 – 1 month

NOVEMBER
– NS Life SG Credits: S$200

DECEMBER
– Cash Payout: S$200- S$600
– CPF MediSave: S$100-S$1500
– CPF RA or SA: S$1000-S$1500
– Personal Income Tax Rebate for YA 2024: Up to S$200

JANUARY 2025
– U-Save: S$165- S$285
– S&CC Rebate: 0.5 – 1 month
– CDC Vouchers: S$300

#1: ASSURANCE PACKAGE

Enhanced by an additional S$1.9 billion, the Assurance Package offers:
– S$600 in CDC vouchers distributed in June and January 2025 to all Singaporean households.
– Cost-of-living “special payment” ranging between S$200 and S$400 for eligible adult Singaporeans.
– Additional U-Save benefits totaling up to S$950 for eligible HDB households.
– An extra half-month of S&CC rebate in January 2025, totaling up to four months’ rebate for eligible HDB households.

#2: LIFESG CREDITS FOR NSMEN

All NSmen, past and present, will receive S$200 digital credits redeemable via the LifeSG mobile app. Distributed in November, these credits are valid for one year.

#3: MEDISAVE BONUS

In December 2024, adult Singaporeans aged 21 to 50 will receive a one-time MediSave bonus ranging from S$100 to S$300, based on various criteria, including age and property ownership.

#4: SINGAPORE WORKFORCE DEVELOPMENT

The introduction of the SkillsFuture Level-Up program for mid-career workers will include a top-up of SkillsFuture Credit by S$4,000 for Singaporeans aged 40 and above, starting in May. Moreover, there will be a monthly training allowance for those aged 40 and above enrolling in selected full-time courses, capped at S$3,000 per month.

#5: TAX RELIEF

The income threshold for dependant-related tax reliefs will double from S$4,000 to S$8,000 for the year of assessment 2025, benefiting more taxpayers.

#6: TAX REBATE

A 50% personal income tax rebate, capped at S$200, will be applicable for the year of assessment 2024, primarily benefiting middle-income workers.

Image Credits: unsplash.com

These initiatives underscore the government’s efforts to alleviate financial burdens and support the well-being of Singaporeans amidst economic challenges.

Sources: 1 & 2

5 FREE Things to Do in Marina Bay

Are you searching for the top activities to enjoy in Marina Bay, Singapore without breaking the bank? This guide has got you covered with a lineup of free and budget-friendly attractions you won’t want to miss during your visit! And when we say budget-friendly, we mean absolutely free!

1. TAKE A LEISURELY STROLL IN GARDENS BY THE BAY

Gardens by the Bay is like stepping into a fantastical world and ranks among the top attractions in Marina Bay Singapore!

While wandering through the Supertree Groves is free of charge, you can elevate your experience by catching a panoramic view of the area from the suspended walkway known as the Supertree Observatory, priced at S$10 for adults and S$7 for children or senior citizens.

Image Credits: unsplash.com

Get your tickets here: gardensbythebay.com.sg

2. EXPERIENCE A LIVE PERFORMANCE AT ESPLANADE

Don’t overlook the complimentary performances and captivating artistic displays at Esplanade – Theatres on the Bay – they’re just as captivating as those in the concert halls, if not more so!

From local talents to international acts, Esplanade offers a diverse array of performances that are definitely worth your time.

Check out the schedule here: esplanade.com/whats-on

3. WITNESS THE SPECTRA LIGHT & WATER SHOW

When night falls over Marina Bay, be sure to catch the Spectra light and water show, taking place every night at 8 pm and 9 pm, with an additional show on Fridays and Saturdays at 10 pm. Laser lights choreograph to the rhythm of the music, casting vibrant images over the water spray for a 15-minute visual extravaganza – and the best part? It’s entirely free!

Plus, during Taylor Swift’s The Eras Tour, expect to hear some of her chart-topping hits.

4. EXPLORE THE ICONIC SIGHTS WITH APPLE

Embark on an evening tour around Marina Bay and master the art of capturing stunning low-light photos using Night mode and more on your iPhone. Learn how to adjust exposure, balance foreground and background, and capture your best night shot with simple techniques. This tour covers approximately 500m. Remember to bring your iPhone or use the latest one provided!

The next session is scheduled for Monday, March 18th, from 7:00 pm to 8:30 pm. Sign up here: apple.com/sg.

5. SET SAIL FOR FREE

Take the helm and sail aboard DBS sailboats, soaking in breathtaking views as you glide along the Marina Bay waterfront promenade for 30 to 40 minutes – all at no cost!

The DBS Marina Bay Sailing Programme is part of the bank’s ongoing commitment to enliven the bay and offer more opportunities for everyone to experience sailing around the Marina Reservoir.

Hop aboard the SB20 and the SM40, and see Singapore’s Marina Bay from a whole new perspective. Booking is available monthly, so reserve your spot here: dbs.com.

Location: Marina Bay, boarding at Pontoon beside Customs House (70 Collyer Quay 049323 Singapore)

Marina Bay offers a plethora of unforgettable experiences without straining your wallet. From the surreal ambiance of Gardens by the Bay to the enchanting performances at Esplanade and the mesmerizing Spectra light show, there’s something for everyone. Dive into photography workshops with Apple or set sail on the Marina Bay waterfront, all at 0 dollars. Enjoy!

Sources: 1, 2, & 3

Why you’re better off with a debit card over a credit card

We’re sure you’ve seen the ads on those credit card offers.

They make it seem so appealing, like free money!

But before you get blinded by the “rewards,” ask yourself if you’re really ready for a credit card.

Sure, they can be useful if used properly, but for most people, especially those still building financial stability, it’s probably not that wise.

So allow us to share with you why you’re better off with a debit card over a credit card.

Helps you avoid debt

A debit card is linked directly to your bank account, so you’re only spending money you actually have.

This means there’s zero chance of racking up debt or late fees since the funds are deducted right away.

Using a debit card also helps you budget better since you have a fixed amount of money to work with each week or month.

You can allocate funds accordingly and once it’s gone, it’s gone—so you avoid impulsive big purchases.

With credit, it’s easy to swipe now and worry about the bill later, so you’re less likely to feel the impact of each purchase immediately.

Encourages responsible spending

Keep within your budget

Using a debit card helps ensure you don’t go over budget since you have to keep track of your balances to avoid overdrawing.

This makes you think through each purchase and whether it’s necessary.

Credit cards, on the other hand, allow you to spend now and worry about paying for it later which often leads to poor spending decisions.

With a debit card, you develop better budgeting habits and financial discipline since overspending has immediate consequences.

Pay in full

Image Credits: unsplash.com

With a debit card, the money for your purchases is deducted right away from your available funds.

You don’t have to worry about interest charges or making monthly payments.

Everything is paid in full.

On the spot.

This can give you peace of mind knowing you don’t owe anything and your spending is kept in check.

Credit cards, however, allow you to pay over time with interest which ends up costing you much more in the long run.

Avoiding unnecessary interest charges

And lastly, there’s no interest applied and no bill to pay later (except maybe for selected BNPL schemes).

With credit cards, the amount you spend is essentially a loan that accrues interest if you don’t pay the full bill on time.

And when those interest charges accumulate, minimum payments barely make a dent in what you owe.

Stick with debit and avoid the stress of a revolving credit card debt.

All in all, a debit card is a better choice if you’re trying to keep your finances in check. Yes, credit cards come with perks, but those rewards aren’t worth it if you can’t pay your bill. A debit card helps you stick to a budget and avoid debt. You will sleep better at night knowing exactly what’s in your bank account rather than worrying if you can cover that next credit card payment. So go for the debit lane and avoid the credit card chaos.

4 confinement wines under $28.90 as thoughtful gifts for new mummies

As a new mother begins her journey of motherhood, why not surprise her with a thoughtful gift that’s nourishing to her body?

In this post, we will reveal our selection of confinement wines priced under $28.90, ready to pamper the new mummies you know in your life.

Keep reading!

W Rice Wine: Premium Traditional Rice Wine

Price: 19.90

First up, we have this premium rice wine that has been handcrafted in Singapore using an heirloom recipe passed down for over three generations since 1931.

Aged in clay barrels, this all-natural rice wine is made with only sweet rice, natural yeast, and purified water, without any added sugar or preservatives.

Here’s what you get: an aromatic and smooth rice wine.

Sip this gluten-free rice wine on its own or add it to steamed and braised dishes for added flavor.

Every bottle is a celebration of time-honored traditions and techniques that have been perfected over the years.

Ye Traditions: Red Rice Wine

Price: $23.80

Next, we have this traditional red rice wine from Ye Traditions, which uses a recipe also passed down from three generations.

The small-batch production incorporates only the finest ingredients sourced from Singapore, including premium mineral water, wine cakes, glutinous rice, and red yeast rice.

The unique fermentation process creates a natural sweetness and tartness without any added salt or sugar, making it a healthier option.

The red yeast rice, which imparts the beautiful reddish hue, is valued in Traditional Chinese Medicine for its cholesterol-lowering benefits.

Best enjoyed as a component of Hong Zao Chicken Soup, this distinctive red rice wine offers our new mummies a taste of heritage.

BC Rice Wine: Yellow Rice Wine

Price: $28.50

This yellow rice wine has also been crafted using a family recipe passed down for generations but hails from Sarawak, Sibu, and Miri.

The white koji yeast is fermented to produce a sweet, mild-bodied rice wine with a pleasant aroma.

Ideal for enriching confinement nourishing dishes or adding flavor to seafood, meat, and poultry, this preservative-free rice wine is made with natural ingredients and contains no added sugar.

Get a taste of the authentic flavors of Malaysia using this traditional rice wine that has been produced using time-honored methods.

BC Rice Wine: Hakka Rice Wine

Price: 28.50

Or you can consider this Hakka Rice Wine that hails from Eastern Malaysia from the same seller—BC Rice Wine.

The winemaking process remains fully handcrafted, using yeast and Red Koji Rice that lend the wine its pink hue.

With no added sugar or preservatives, the wine is mellow, sweet, and rich in flavor, making it a wonderful match for homemade confinement dishes or rich soups.

Its subtle notes also pair delightfully with seafood like clams and crab, as well as chicken, duck, and braised or stewed pork.

Gifting a new mummy with one of these confinement wines under $28.90 is not just about the wine itself, but the sentiment it represents. Let these thoughtful gifts serve as a reminder of the importance of self-care during this precious time.

Helps you avoid debt

Encourages responsible spending

Avoiding unnecessary interest charges

Search the site