It’s time to consider having a money date

a couple drinking coffee and holding hands

Even the strongest couples can experience tension when the topic of money presents itself. Money can bring hidden differences in opinions, priorities, wants, or needs to the surface. Though in all honesty, it can be pretty uncomfortable to talk about it with your partner.

However, avoiding the topic altogether will not solve any problems. Money touches every aspect of our lives since we need it for our daily living. We also require cash for well-deserved luxuries such as staycations or cruises.

It’s crucial to allocate the right amount of money towards expenses, savings, and splurges to thrive. And in a committed relationship, we cannot do it alone. That is why what you might need is a money date.

What is a money date?

Simply put, it is a date with money as the main highlight. Yes, we know it’s tough even to start. But Kathy Entwistle, the founder of Entwistle Partners, a financial specialist team, says that it gets more accessible and comfortable with every little step.

Having a constructive conversation with your partner about your monetary resources and financial goals can bring both of you to better wealth management and freedom in the future. 

One of the best ways to have this conversation is to set up a time with your partner, just like how you would do for a typical date invitation. A scheduled time and safe space where you and your partner can talk openly and honestly about money issues is the first vital step to take.

When should we arrange for a money date?

You and your partner should begin having money dates when you are ready to build a future together or you’re moving towards a committed relationship.

However, even if you’re already married, it’s not too late to start. You know the famous phrase, right? Better late than never. Regular money dates are essential, so you can adapt to changing financial circumstances and chart your progress towards your current goals.

Why should you consider having one?
a white mug with the word 'conversations' printed

Image Credits: unsplash.com

Mentally, don’t you agree that it’s easier to look forward to a date than a discussion? Scheduling a date ahead of time gives you and your partner time to reflect, get into the necessary mindset, and prepare yourself for potentially problematic money issues surfacing in your conversations.

A money date is also an apt time to gear yourself to discuss your values, goals, plans, and existing resources. Being willing to discuss any finance-related problems freely can help you and your significant other feel less stressed about the topic of money, in general, going forward.

Is there an ideal spot?

Unlike a traditional date, a money date requires an atmosphere conducive for serious discussions. It should be set at a time and a place where you and your partner can be comfortable and enjoy some privacy at the same time.

With that said, the latest cafe, rooftop bar, or restaurant may not be an ideal environment for a meaningful talk surrounding money. Your home can be the right place, and you could even choose to have your discussion over a glass of wine or a cup of tea to set the mood right.

If you have children at home, find a way to get privacy by considering dropping them off at your parents’ house for a few hours.

How do we kickstart the conversation?

Entwistle recommends that we begin with the bigger picture. These questions could guide both of you to find out what matters to you in life and the role of money in it:

  • What are our priorities?
  • Is it taking care of our parents?
  • What’s important to you when it comes to money?
  • Is it that you can provide for the family and put our children through university?
  • Does it have to do with security? Or is it knowing that you have enough to “get by”?

If your priority is to pay off credit card debts, you may want to examine your debts and decide how to approach them systematically. On the other hand, should your partner’s aim be caring for his ageing parents, both of you may wish to set aside an agreed sum of money for this purpose.

Or it could also be that both of you have started thinking about saving up for retirement. If that’s the case, then the conversation could revolve around minimising unnecessary expenses and maximising saving opportunities.

What about financial stresses?
a man covering his face with both hands

Image Credits: unsplash.com

Having a negative net worth or financial struggles can be upsetting. This emotional distress can spill over into your money date. Thus, it is vital to avoid getting into an overly aggressive discussion on your first money date.

As you and your partner gradually move towards subsequent money dates, you know it’s probably a good time to focus on more specific details. This could surface one’s irrational fear about a particular area. From there, start digging deeper and decide if there’s a solution to work towards.

Final thoughts

While it may feel uncomfortable to talk about money with your partner at first, it’s ultimately an essential thing to have. In fact, you might even surprise yourself by how easy it is to get into the flow of things. If you’ve yet to start, we urge you to consider taking that first step. It’s not as scary as you think it to be.

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6 Beautiful Places To Propose In Singapore

If you are popping the question soon, you may be pondering about where it shall take place. May this list help you start planning for the perfect proposal in Singapore. Be honest with your emotions. Your genuine intentions accompanied by the romantic ambiance will make your partner swoon.

HENDERSON WAVES BRIDGE

People say that love takes you to greater heights. What better way to propose to your loved one than by declaring your love in the highest pedestrian bridge in Singapore? It is none other than the Henderson Waves Bridge. True to its name, it mimics the distinct shape of a wave as it curves along its entire 274-meter length.

This spot is suitable for couples who love to take an afternoon hike or an evening stroll. Just picture the city lights at night as you prepare for your memorable proposal. It is a popular place, so do not expect much in terms of privacy.

Address: Henderson Rd, Singapore 159557
Visit nparks.gov.sg to know more.

SINGAPORE FLYER

One of the attractions that make Singapore standout is the Singapore Flyer. Feast your eyes on its iconic skyline and famous sites such as Singapore River and Merlion Park. During your special night, you can book a romantic for two with its premium Sky Dining offering.

The Singapore Flyer Sky Dining experience includes:

a. two rotations (60 minutes) on the Singapore Flyer,
b. an in-flight host,
c. a four-course dinner of your choice (i.e., Western, Oriental, or Vegetarian Menu),
d. priority boarding to skip the queues,
e. and complimentary admission to the Time Capsule.

Image Credits: unsplash.com

You need to shell out a whopping S$300 (*special online price) to experience this. Remember to book at least one working day in advance!

Address: 30 Raffles Ave, Singapore 039803
Visit singaporeflyer.com for more details.

PULAU UBIN

Home to diverse habitats and overflowing ecosystems, the island of Pulau Ubin is the ideal destination for nature enthusiasts. Depart from the hustle and bustle of the city and explore the island by bicycle or kayak through its tranquil river.

Wait for the golden hour to come. Enjoy the island’s rustic charms as you kneel and ask the big question. Surely, it will be a life-changing moment for the both of you!

Address: Pulau Ubin, Singapore 508329
Visit nparks.gov.sg to know more.

SINGAPORE BOTANIC GARDENS

Treat yourself and your loved one with nature’s beauty as you explore the wonders of the Singapore Botanic Gardens. It is the first and only tropical botanic garden on the UNESCO’s World Heritage List. This place has numerous alluring spots on its arsenal. You can ask the most important question of your life in the Swan Lake, Palm Valley, Learning Forest, Symphony Lake, Ethnobotany Garden, or the new Tropical Montane Orchidetum.

Image Credits: unsplash.com

It recently unveiled the Tropical Montane Orchidetum. This Orchidetum spans around 2,480sqm and features the largest collection of high-elevation montane orchids in Asia. Embrace the beauty of your surroundings as you pop the question!

Address: 1 Cluny Rd, Singapore 259569
Visit nparks.gov.sg/sbg for more details.

ST. JOHN’S ISLAND

Nestled in the string of islands on the Southern coast of Singapore is St. John’s Island. What was once a quarantine facility in the late 1800s has since become a destination for locals who want a quick getaway from the cityscape. Take your partner in this place to enjoy a variety of activities.

From dipping on the calm waters of the Swimming Lagoon to keeping your eyes peeled for wildlife sightings, you can find the perfect timing to propose while enjoying a fun-filled day. Do not forget to snap some pictures!

Recommended: Fun Activities To Explore In St. John’s Island

Address: 12 St. John’s Island, Singapore 098600
Visit nparks.gov.sg to learn more.

CHIJMES

With its unique architecture and warm ambiance, CHIJMES is one of the favorite local spots for wedding ceremonies. In fact, its glistened in the big screen through the Crazy Rich Asians film. The place was decorated beautifully to celebrate the wedding of the fictional characters – Araminta and Colin. See for yourself!

Since its inception in the 1840s, the pristine walls of CHIJMES have not aged one bit. You do not have to think twice about considering to propose here. Complete the proposal by making a reservation for a romantic candlelit dinner.

Address: 30 Victoria St, Singapore 187996
Visit chijmes.com.sg to learn more.

 

Note: As a friendly reminder, the places on this list follow safety procedures for the well-being of all its visitors. Please observe these guidelines and ask necessary questions ahead of time. We wish you the best!

Sources: 1 & 2

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8 ways to fine-tune so you can get into the productivity zone ASAP

a woman with a face mask working on her laptop

It’s midweek, and you’re dying for the weekend to come.

Most of us who clock a 9 to 5 job often face such situations, so you’re definitely not the only one entertaining such thoughts. But it’s also due to such a mindset that we constantly find ourselves loitering out of the productivity zone.

This can be a massive problem if you have a work schedule to complete but can’t seem to get your head in the game. We’re here to the rescue! Or at least allow us to share with you some ways you can fine-tune to get your productivity engine moving.

#1: Clear your mind

One of the most persistent distractions we face is our mind.

Whether it’s piling bills, housework, relationship woes, or even just random racing thoughts, our mind can be an obstacle to our productivity.

As such, it’s time to take control! Clearing your mind can be as simple as jotting down your thoughts, taking a 10-minute walk around the park, or simply meditating before starting your day. For those who can’t seem to practise mindfulness at home, check out these meditation centres in Singapore to help you get started.

#2: Make changes to your environment
air conditioner remote control

Image Credits: cielowigle.com

Temperature, lighting, and surrounding noise are environmental factors that affect our productivity.

It isn’t easy to focus on work if you are not physically comfortable. That’s why making changes to your environment can ease you into the productivity zone faster.

We’re sure deskbound people would agree that it somehow affects your typing speed when the office is freezing cold. Since many are still working from home from time to time and don’t have to fight over the air-conditioner’s remote, ensure you’re at ease.

Also, we hope your workspace is already well-lit and uncluttered.

#3: Create a work playlist

While we can control temperatures, we can’t always control background noise.

When working in the office, we may have talkative colleagues, noisy pantries, or other sound sources that we can do nothing to silence. While at home, there is a whole different noise level, from inconsiderate neighbours to chattering kids.

There are benefits to listening to music while working, so slip in your earbuds. Some of us are used to upbeat tempos to get ourselves fired up, while some may focus better on instrumental music. Whatever it is, find the tunes that rock your boat and make that your personalised work playlist.

#4: Keep unnecessary interruptions at bay
a person using a phone

Image Credits: unsplash.com

Even when we have our environment optimised and our favourite tunes playing, our focus and productivity can be swiftly destroyed by interruptions.

Do you know that according to a study at the University of California Irvine, it is revealed that a person takes about 22 minutes to return to their original task after an interruption?

We can’t eliminate all distractions, but we can take proactive steps to manage the probability of being interrupted. For example, peeps who suffer from nomophobia can set their phones to “silent mode”. Or better still, place those distractive devices in a drawer to practise “out of sight, out of mind”.

You know yourself better than anyone else, so anticipate your needs and meet them before they start creeping into your productivity zone. Yes, go ahead and get that cup of warm water or coffee and use the washroom before settling in.

Little routines like that can help you sink into your work cycle faster.

#5: Practise a pre-work ritual

Rituals can act as a powerful tool to boost performance.

Setting a consistent routine of words, thoughts, or actions before getting to work can help us clear our heads and focus better on the task at hand.

The best thing about rituals is that they do not have to be complicated. For example, watering your desk plant at 8.30am, making coffee at 8.45am, or turning on your laptop at 8.55am can become daily rituals to help you buckle in and get into the work zone.

#6: Give yourself specific deadlines
deadline on a typewriter

Image Credits: unsplash.com

Deadlines may not resonate very well among people since only a few enjoy having a fixed period to work on a project.

Regardless, they are still an effective way to curb procrastination and enhance your productivity. Setting a deadline such as “update the project board before the next meeting” may be too generic a goal.

A more concrete deadline would be, “Update the project board on 15 April, by 3pm”. The deadline has a specific date and time, so you can schedule right into Asana or your Google calendar. For more significant assignments, it would be best to break them down into smaller tasks so you can still practise setting deadlines.

#7: Find the right balance

The ideal task would leave you feeling engaged but not bored or overburdened.

Mihaly Csikszentmihalyi, a psychology and management professor at Claremont Graduate University, shares that you will start feeling the proper flow when there is a good balance between your skills and the challenge presented.

Your work should be neither too easy nor too hard, but it must be challenging enough to generate engagement. Realistically, this kind of work may not always be available. Thus, when work becomes too demanding, ask for guidance or attend a course to improve your current skillsets.

#8: Tap onto social facilitation
two females talking

Image Credits: BBC

As we come to a close, know that sometimes it’s good to have someone you can account to.

Call it an accountability buddy if you would like. This person should ideally be someone you can get along with and assist you to keep your pace at work. It’s very similar to a workout buddy, encouraging you to push on when you feel the temptation to slack off to do something else.

A mutual partnership like this can aid both you and your buddy to stay in the productivity zone when the time calls for it.

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Read this if you find yourself always buying “crap”

an asian woman carrying shopping bags and looking at her phone

It’s easy to be enticed with non-stop ongoing promotions online.

Thanks to the pandemic, more companies are also urgently shifting from brick and mortar to embracing digital means to sustain their business. This means customers like us can view a product instantly and make a purchase within a few taps or clicks.

But this also means it’s now easier to shop and buy “crap”. Please don’t get us wrong when we say “crap”. We’re not necessarily referring to a product as worthless but more towards whether it’s indispensable.

If you find yourself constantly buying “crap”, especially since it’s hard to say no to that dollar deal, read on.

#1: Stocktake your junk

Unless you are already living a minimalist lifestyle, chances are you have plenty of surplus stuff lying around at home or in your car boot.

The first step to help you stop buying items you don’t need is to do a stocktake on your current junk. A detailed record of your household items will help you realise how many things you already own.

Chances are, you will also find lost and misplaced items long forgotten over the years. Take these items and set them aside. Before donating, discarding, or reusing, look at it and do a quick sum-up of the costs. This exercise will reveal the potential savings you would have had if not for the purchase of those miscellaneous products.

And as a bonus, take it as an opportunity to declutter.

#2: Set a financial goal
financial-goals-on-a-notebook

Image Credits: moneycrashers.com

Financial goals are important because they help us make informed decisions with our money. Perhaps you want to save for retirement, get a new car, or take a luxury staycation soon.

Figure out how much money you need for your goal and consider opening a savings account to fund it. Next time you are at the shops and thinking of spending S$10 on something random (just because it’s on discount), consider putting that money in your savings instead.

You will be amazed at how quickly all those seemingly small purchases add up.

#3: Engage in an inexpensive hobby or activity

Shopping is a fun hobby, but it is an expensive one. Consider finding another activity to replace that.

Instead of going to the shopping centre, logging in to your favourite shopping app, or ordering stuff you don’t need during a time sale, do something else. Maybe you could go for a walk, read a book, or develop an artistic interest.

There are many engaging and inexpensive hobbies, such as bird watching or sketching, that can be very rewarding. Having an activity to fill your time can help you stop mindlessly carting out online. This could translate to more savings in the long run!

#4: Implement a 24-hour pause strategy
a red pause button

Image Credits: cobizmag.com

Even if you find a replacement hobby to keep you from shopping too much, you will undoubtedly find yourself back at the shops from time to time.

To prevent yourself from getting into the shopping routine, implement a 24-hour pause strategy. Before you buy that new phone cover or that shiny baking tray, put it on hold and think it over for 24 hours.

If you think it would significantly add value to your life or you would be using it for a long time to come, buy it. However, if you realise it’s possible to live without it until the current item you own wears out, skip it.

#5: Unsubscribe from marketing emails

Even the strongest among us can succumb to the temptations of promotional emails. New products, attractive coupon codes, and special deals are what marketers use to get inside our heads and tempt us to spend that money.

One of the most effective ways to avoid this temptation is to get it out of sight. There is little to no value in these messages if you’re on the road to stop buying “crap”. Unsubscribing from such marketing emails will help you regain control of both your inbox and your wallet.

#6: Create firm budget limits
Singapore debit cards

Image Credits: Vulcan Post

It would be unrealistic to say, “I am going to stop shopping”, and then hope it would work the next moment miraculously.

While we’ve worked hard to earn money, and it’s perfectly alright to spend it, the idea here is to spend less of it on “crap” that we don’t genuinely have a use for. The best way to attain this goal is to set a fixed budget in debit or cash.

Giving yourself an allowance in debit or cash helps you exercise more control over overspending. Spending debit or cash feels different than spending money on a credit card or through an app. Having to count and part with physical bills in exchange for an object helps us observe the trade differently now that we see the money disappearing from our possession.

#7: Pen down specific goals

As we come to a close, just saying “I am going to stop buying items I don’t need” may not work as you intend it to be. You want to pen down a more specific and measurable goal that you can attain.

For example, “I will only shop online on weekends,” or “I will only hit the stores on Saturdays with a cash budget of S$50 with me”. Preparing yourself with precise and realistic goals like these will aid you in reducing your excessive spending and break the chain of buying unnecessary “crap”.

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Surprisingly Affordable Yet Quality Coffee Machines In Singapore

This year marks the start of my sister’s journey to marital bliss. When she got married, I asked her what she wants as a wedding present. As a coffee enthusiast, she asked me to buy her a coffee machine. Her love for coffee runs deep into her veins, both literally and figuratively.

Much like her, many people enjoy a freshly brewed coffee in the morning. Instead of spending S$6 or more on a daily cup of joe, you can save money by investing in a good coffee machine. Getting your own coffee machine will not only help you save money in the long run, but will also let you create a drink that satisfies your preference.

On that note, here are four affordable coffee machines that you can consider.

CAPSULE COFFEE MACHINES

Satisfy your coffee craving in no time by using a capsule coffee machine. As the name suggests, capsule coffee machines work by inserting a pod into the machine and clicking start. Pods or capsules come in a variety of flavors. In Singapore, you can purchase the Nescafé Dolce Gusto Piccolo XS or the Nespresso Essenza Mini Coffee Machine. For existing fans of this Nescafé Dolce Gusto, you will love that this machine can help you create both hot and cold drinks.

Its sleek and compact design makes it easier to put in almost anywhere. In fact, it is one of Nescafé Dolce Gusto’s smallest coffee machines. Do not be fooled by its size because it can produce 35 varieties of coffee, tea, and chocolate drinks. Moreover, its size makes cleaning trouble-free.

Now, let us put a spotlight on Nespresso Essenza Mini Coffee Machine. This coffee machine proves to be suitable for busy individuals with its fast heat-up system and high-pressure pump. Quickly prepare your favorite drink by choosing one of its two programs. You have an option to choose the cup’s size too. Best of all, its portable design only weighs 2.3 kg!

When you are considering the price of this machine, remember to factor in the cost of the capsules. Prices vary depending on the flavor of the capsule and where you are buying it. You can save more by watching out for the current deals.

Nescafé Dolce Gusto Piccolo XS (Price: S$99 at Lazada)

Nespresso Essenza Mini Coffee Machine (Price: S$148 at Lazada)

DRIP COFFEE MAKERS

Drip coffee works by dripping boiling water over ground coffee. You can watch as the water filters through the coffee and falls into a pot. If this is your preffered type of coffee machine, you may consider buying either the Braun KF7120 Drip Filter Coffee Maker or the PowerPac 1.25L Drip Style Coffee Machine (PPCM302).

People who want to savor a gourmet-style coffee at home may try the Braun KF7120 Drip Filter Coffee Maker. It has an OptiBrew system, which you can control through its 24-hour timer and its cup setting. What is more? You can select your preferred coffee strength with its strength selector setting.

Image Credits: unsplash.com

For those who wish to enjoy a good cup of kopi o kosong, this coffee machine can grant your desire. The PowerPac Coffee Maker 1.25L Drip Style Coffee Machine can be used to make either coffee or tea. Simply add the coffee powder and boiling water and wait for your coffee to be churned out in a large glass jug. It can serve up to eight cups of coffee!

Braun KF7120 Drip Filter Coffee Maker (S$159 at Lazada)

PowerPac Coffee Maker 1.25L Drip Style Coffee Machine (S$25.90 at Shopee)

There are other types of coffee makers such as French Press and Espresso coffee machines. Find a coffee machine that suits your lifestyle and budget best by doing your research first.

Sources: 1 & 2

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