MoneyDigest - Personal Finance, Lifestyle, Money Saving Tips

This “Spring Blossoms” K-beauty box worth $294+ is yours to bag home at just $81+

It’s the last month of Q1 2025 and we hope you’ve been taking good care of yourself!

If you have been neglecting self-care, why not invest in this newly launched “Spring Blossoms” K-beauty box worth $294+ so you can give yourself some TLC before Q2 arrives?

It’s selling for only $81+ and here are all the items you get for what you pay:

FULL SIZE

SUNGBOON EDITOR Alaska PDRN Ultra Moisturizing Barrier Cream 50ml

I’m from Rice Toner 150ml

This two-layer toner balances your complexion with a satisfying swipe.

The rice-infused formula begins as two separate phases but blends into one hydrating formula when shaken.

Niacinamide’s brightening powers help diminish dullness, while moisture-locking ingredients deeply quench parched skin.

Apply it after cleansing and watch as it sinks in, leaving your face dewy and prepped for the rest of your routine.

SOME BY MI Beta Panthenol Repair Body Cream 200ml

Quench dry skin with this nourishing body cream from SOME BY MI.

Soothe itchiness and discomfort from dryness and pamper yourself in its skin-quenching formula.

With its gentle, low-irritation blend, this cream is suitable even for sensitive skin types.

Free from 31 potentially harmful ingredients, it’s a vegan indulgence you can feel good about slathering from face to toe.

ETUDE Dear Darling Oil Tint 4.2g

Anua Heartleaf Quercetinol Pore Deep Cleansing Foam 150ml

SKINFOOD Potato Madecassoside Soothing Pad 60P

SKINFOOD’s Potato Madecassoside Soothing Pads uses nutrient-dense potatoes harvested from the Gangwon region.

It also contains centella asiatica’s superstar extract madecassoside at a potent 95% purity.

This skin-coddling compound joins with other active ingredients to reboot your barrier function while delivering a soothing boost.

And those non-bleached cotton pads with their untreated fibers enhance delivery of those calming plant extracts.

UNOVE Water Essence Mist 200mL+30mL Special Set (Hair Essence Spray)

Frazzled hair’s got you feeling frustrated?

Spritz on a shot of hydration with this protein-infused hair mist.

It contains amino acids and plant oils, coating strands with a glossy sheen.

Just spray and go about your day as the moisture-binding ingredients work to smooth flyaways and tame frizz.

[BEAUTY BOX] BANILA CO Covericious Ultimate White Cushion 14g (+Makeup Fixer)

Glide into lit-from-within radiance with BANILA CO’s Covericious Ultimate White Cushion.

This vegan complexion wonder whisks away unevenness, replacing it with a soft-focus finish that defies smudging.

The dual melting powder melds seamlessly with your skin texture for a natural-looking coverage that lasts from desk to dusk.

Infused with brightening white truffle essence and a white flower complex, this toning cover cushion gently blurs imperfections while reviving your glow.

FREE GIFT / TRAVEL SIZE

[Free Gift] espoir Be Glow Foundation 10 Color Sachet

Get Olive Young’s BEAUTY BOX MAR (SPRING BLOSSOMS BOX) at $81+ here.

SG60 Baby Gift Celebrates the Next Generation

As Singapore marks its 60th year of independence, the nation is celebrating not just its rich history, but also its bright future starting with the littlest Singaporeans!

In honor of this milestone, all Singaporean babies born in 2025 will receive the exclusive SG60 Baby Gift, a delightful package of curated items designed to support parents and commemorate this special occasion.

WHERE TO SIGN UP?

Every baby born between January 1 and December 31, 2025, will be eligible for this special keepsake. Parents must complete their child’s birth registration before signing up for the SG60 Baby Gift at sg60.gov.sg/sg60-baby-gift.

This meaningful initiative reflects the Singapore Government’s commitment to supporting families, making parenthood a more joyous and memorable journey.

WHAT’S INSIDE THE GIFT BUNDLE?

Each package includes a mix of practical and sentimental items, sourced from local brands and designed to enrich the early years of both baby and parents:

A. Trolley Bag & Backpack – Stylish and functional, these bags help parents keep all baby essentials organized for outings and adventures.

B. SG60 Family Photobook – A beautifully designed album featuring Singapore-themed backgrounds and fun stickers of local flora and fauna to capture precious family moments.

C. Wooden Building Blocks & Toy Play Set – Classic toys that encourage creativity, problem-solving, and motor skill development.

D. Limited Edition Becky Bunny Plushie – This adorable soft toy, inspired by the Families for Life mascot, embodies values like love, respect, and commitment while promoting sensory development.

E. Straw Cup with Adaptor Cap – A high-quality feeding essential from local brand Hegen, designed to support your little one’s transition to independent drinking.

F. SG60 Parenting Journal – A dedicated space for parents to document milestones, thoughts, and reflections on their parenting journey.

G. Becky Bunny Storybooks – Engaging tales featuring Becky Bunny, crafted to nurture a love for reading from an early age.

H. Food Bib – A must-have for messy mealtimes, making feeding time fuss-free and fun.

HOW TO RECEIVE IT?

Parents who register by March 15, 2025, can collect their gift at Celebrating Our Families events organized by the People’s Association, happening on weekends in April and May.

For those unable to attend or who register after March 15, home delivery will be available from mid-May onwards.

Image Credits: go.gov.sg/SG60BabyGift

Even Singaporean babies born overseas can receive the SG60 Baby Gift, though delivery is only available within Singapore. Additionally, babies born before January 1, but with an Estimated Date of Delivery (EDD) on or after January 1, 2025, will still be eligible upon submission of medical documentation.

A TRIBUTE TO NEW BEGINNINGS

The SG60 Baby Gift is more than just a collection of items. It’s a celebration of life, family, and the journey of parenthood. As Singapore turns 60, this meaningful initiative underscores the nation’s dedication to building a strong, supportive community for generations to come.

To register and learn more, visit go.gov.sg/SG60BabyGift today!

Sources: 1 & 2

Time and Wealth: How Compound Interest Grows Your Money

They say time is money but when it comes to investing, time is actually wealth. In Singapore’s fast-paced economy, understanding the magic of compound interest can be the key to financial freedom. So, how does it work?

POWER OF COMPOUNDING

Think of compound interest as a snowball rolling down Bukit Timah Hill small at first, but growing bigger as it gains momentum. In finance, this means your initial investment earns interest, and that interest starts earning more interest over time. The longer you leave your money to grow, the bigger the effect.

Let’s say you invest S$10,000 at an annual return of 5%. In a year, you’ll have S$10,500. But in the second year, you’re earning interest not just on your original S$10,000, but also on the extra S$500, bringing your total to S$11,025. Fast forward 20 years, and your initial sum has nearly doubled without you lifting a finger!

WHY START NOW?

Singapore’s CPF system already takes advantage of compounding, but you can supercharge your wealth with investments in ETFs, stocks, or savings plans. The trick? Start early and stay consistent. The longer you let your money grow, the more time does the heavy lifting for you.

Image Credits: unsplash.com

So, whether you’re saving for your first BTO or early retirement, remember: wealth isn’t just about how much you earn it’s about how wisely you let time work for you.

Here’s How I Plan to Redeem a Round-Trip Business Class Ticket to Hong Kong with My New Credit Card and Savings Account

I’ve been on the lookout for a credit card with the best rewards and after some research, I stumbled on this combo:

UOB Lady’s Credit Card x UOB Lady’s Savings Account

I’m excited to make the most out of my savings and spending, knowing that signing up for both can earn me up to an impressive 25X UNI$ per S$5 spent, equivalent to 10 miles per S$1!

How It Works for Me:

UOB Lady’s Credit Card: I earn 10X UNI$ per S$5 spent on up to two of my preferred rewards category(ies). That’s 4 miles for every S$1 I spend.
UOB Lady’s Savings Account: I boost my rewards with up to an additional 15X UNI$ per S$5 spent on my preferred rewards category(ies), adding up to 6 more miles per S$1.

Plus, there’s no lock-in period, giving me the flexibility to choose and change my preferred rewards category(ies) every quarter.

And the best part? There’s no minimum spend required, allowing me to earn rewards on my terms!

Painting the Picture:

I have plans to maintain a S$50,000 Monthly Average Balance (MAB) in my UOB Lady’s Savings Account and spend S$800 each month on my preferred rewards category(ies) with my UOB Lady’s Credit Card.

For me, a monthly S$800 spend is easily attainable since I spend the bulk on the Beauty & Wellness and Dining categories.

Here’s the rough breakdown if you’re interested:

Gym membership ($100)
Beauty/cosmetic buys ($100)
Personal grooming such as hairdressing, facial treatment/hair removal, nails/lash/eyebrows, etc. ($300)
Dining at my favourite restaurant and ordering food via foodpanda ($300)

This means in just one month, I could rack up 3,200 UNI$.

Keeping this up for 12 months means I could gather a whopping 38,400 UNI$ in a year!

Redeeming My Rewards:

I can convert these UNI$ into 76,800 KrisFlyer miles (1 UNI$ = 2 miles).

With that, I could snag my round-trip business class ticket to Hong Kong* within a year! It would be my first-ever business class experience.

But if I decide not to spend all my UNI$ on flying, I have plenty of other options too.

I can redeem my UNI$ for rewards from a variety of dining, shopping, and travel merchants on UOB Rewards+.

In essence, whether I’m aiming for luxury travel or indulging in simple everyday perks, the benefits add up quickly!

*Based on Singapore Airline’s Saver Awards Chart as of October 2023, excluding taxes, charges, and fees.

Maximizing Your Rewards:

You can choose and change your preferred rewards category(ies) every quarter. These include:

Dining
Travel
Fashion
Beauty & Wellness
Family
Transport
Entertainment

This flexibility means you can adapt as your spending habits and priorities shift.

Switch to whatever categories you deem fit quarterly to maximize your UNI$ and get the best rewards for your spending and savings!

For example, during the year-end holiday season, I can switch my rewards category to Travel. This allows me to book air tickets and easily hit the S$800 spending target in a single transaction!

By consistently managing my spending, I can easily accumulate a significant amount of UNI$ annually. During travel months, I can reach the monthly spending target even faster by booking air tickets and covering other travel expenses.

If you have more savings to park aside and can maintain at least a S$100,000 MAB, you can earn an additional 15X Lady’s Savings Bonus UNI$ on your preferred rewards category(ies).

So, it’s smart to consolidate your purchases with the Lady’s Credit Card to maximize your Lady’s Savings Bonus UNI$.

Curious About Your Rewards?

Wondering how many UNI$ and miles YOU can rack up based on YOUR spending and savings?

Simply click this link to UOB’s official website and click on ‘Calculator’ to access the ‘Lady’s Card and Lady’s Savings Account Calculator’ to enter your details and see your potential rewards in a flash!

Just like this:

Subsequently, as a card member, you can easily view, track and redeem your UNI$ rewards all on the UOB TMRW app.

For details on how to redeem your UNI$ on the go with the UOB TMRW app, click through the link to learn more.

Additional Perks:

With the UOB Lady’s Card, you can also enjoy:

0% LuxePay Interest-Free Payment Plan over 6 or 12 months on your luxury purchase (shoes or bags)
Exclusive Birthday Treats during your birthday month
e-Commerce Protection for your online purchases
Complimentary Travel Insurance covering up to 100,000 USD
Receive a S$250 Sephora Gift Card when you spend a min. of S$6,000 on your UOB Lady’s Credit Card. Limited to the first 280 eligible cardmembers.

For the UOB Lady’s Savings Account:

Receive a Bespoke Puffy Bag with Rose Leather Charm worth S$98 by reBynd, an eco-conscious brand by Bynd Artisan, when you apply for the account online and deposits S$5,000 new funds into the account. Limited to the first 150 customers in each calendar month from 8 March to 30 April 2025 only.

That’s not all. UOB is also rewarding ALL customers who hold both the UOB Lady’s Credit Card and UOB Lady’s Savings Account as of 30 Apr 2025 with a lucky draw chance to win an Éclat KNOT Alone® Double Pave Bangle worth S$520 or Gentle Monster sunglasses worth S$490.

T&Cs apply, of course. Insured up to S$100k by SDIC.

So stop waiting and join me right away by signing up now here.

Happy saving and spending together!

6 new mesh footwear from $49.90 you need if your feet tend to smell if not well ventilated

We understand how it feels for your feet when they get hidden the entire day.

They can smell sometimes too

But worry no more with these newly launched mesh footwear from Charles & Keith’s ‘Spring Summer 2025’ collection.

Here are our top picks from $49.90.

Mesh Ballet Flats – White

Price: $49.90

First up, meet the mesh ballet flat that’s about to become your warm-weather favorite.

This pair from Charles & Keith is like a fan for your feet, thanks to its mesh fabric that keeps things airy, no matter how high the temps climb.

Slip them on with cropped jeans for a casual Friday, or pair with a sundress for a weekend brunch look.

They’re an online exclusive, anyway.

Available in classic black too.

Mesh Sequinned Block-Heel Mules – Nude

Price: $59.90

These mules have a glamorous sequin-studded mesh upper that catches the light in all the right ways, yet remains breathable thanks to the chiffon blend.

The square-toe silhouette comes with a sturdy block heel that keeps you stylishly grounded.

Available in gold and black too.

Loren Mesh Kitten-Heel Mules – Black Textured

Price: $59.90

If subtly chic is your style MO, these mesh mules have your name written all over them.

A sturdy textile blend and backless mule silhouette team up to keep your feet happy whether you’re racing to a morning meeting or heading to a happy hour.

Those kitten heels measure about 5.5cm so you can go all day (and night) in style without sacrificing a centimeter of fierceness.

Mesh Metallic Cap-Toe Kitten-Heel Pumps – Silver

Price: $65.90

These metallic cap-toe kitten heels feature sheer mesh uppers playing peekaboo against glossy, metallic toe caps.

A svelte pointed toe and slingback silhouette create a leg-lengthening silhouette that feels of-the-moment.

And while the mesh and metallic details command attention, a walkable 3.5-cm kitten heel means these stunners prioritize comfort as much as style.

Mesh Contrast-Panel Mary Jane Sneakers – White

Price: $69.90

The sporty, breathable mesh Contrast-Panel Mary Jane Sneakers bring a fashion-forward twist to the timeless Mary Jane style.

Made using lightweight mesh with cool contrast panels, cushioned insoles, and adjustable velcro straps.

And in a crisp white colorway, these sneakers freshen up any casual outfit.

Gaskell Metallic Mesh Mary Jane Sneakers – Light Pink

Price: $89.90

Or consider these sneakers and make them fashion.

These Mary Jane-style kicks = cute + comfy.

A breathable mesh upper provides airflow, while the chunky, cushioned sole delivers that sweet sweet step comfort.

The unexpected metallic silver and light pink color combo is also ♥️.

Lace up the sneaker portion to lock in your fit, or adjust the velcro Mary Jane straps to slide in and go.

Made of a pearlized PU blend with a 5 cm heel so you can that extra height push.

View the entire collection here: charleskeith.com/sg/shoes/spring-summer