MoneyDigest - Personal Finance, Lifestyle, Money Saving Tips

How To Decorate Your Home On A Tight Budget

Minor decorating projects can freshen up your nest without breaking the bank. Try one or two of these Do-It-Yourself ideas for an instant upgrade!

AN EYE-CATCHING NAPKIN

Are you tired of your dull satin napkins? Well, you can liven up your dining table by adding ombre linens. Ombre is a display of similar tones. Start by gathering your plain white linens and by soaking them in water. Brush the fabric paint from the bottom. Put water as you move up the linen. Do you notice how the tones gradually transition from light to dark?

Complete the faded look by drying and ironing each one. These napkins can double as place-mats too!

A PLUSHY PILLOW FIGHT

If you are down for a plushy pillow party, please read along. Instead of rounding up your store-bought throw pillows, you can customize on your own. Prepare sewing pins, scissors, fabrics, ironing cloth, buttons, and hem tape. You can purchase hem tape at your nearest Spotlight store. The instant hem tape will cost you about S$8.

Follow this Mr. Kate YouTube tutorial to create a cozy pillow without the ability to sew.

A ONE OF A KIND “LAMP”

Add sophistication to your romantic dinner with a quick lighting trick. Simply pop a LED tealight inside a wine glass and cover it with a paper shade. Battery-operated light is a safer alternative, which does not have the risk of stimulating a fire. The 8-piece STÖPEN tealight from IKEA costs S$12.90.

Print and cut along this template on a piece of 8.5″ by 11″ paper. I recommend that you use a scrapbook paper as it is vibrant and sturdy.

AN ARTISTIC CHEST

Locate your old wooden cabinet such as the RAST from IKEA (S$59). The RAST acts as a blank canvas due to its untouched pine wood exterior. You can spruce things up in two ways – going bold or going classy. Achieve the first route by painting everything with high-gloss orange hues.

Image Credits: pixabay.com

Lastly, you can tone things down by painting the chest white. Add gold pulls for a fancy touch. This design goes well with any bedroom.

Source: GH

Korean Beauty Products That Are Worth Every Dollar

The clamor for Korean beauty products skyrocketed in the recent years. As with any trend, the volume of said products boomed as the global obsession grew. Let us filter out the mediocre products and leave with these amazing products (i.e., which are under S$20).

TONY MOLY STRAWBERRY 3-STEP NOSE PACK

Get it at Lazada Singapore for only S$8.37.

The official Tony Moly stores in Singapore are situated in Jurong Point and Bugis Junction. Here, you will find the Strawberry 3-Step Nose Pack that exudes a delicious milky strawberry scent.

The nose pack has been on trend way back in the ’90s. This Korean rendition stands out as it cleanses your pores and tackles your blackheads, while moisturizing your skin. All these are possible because the product was enriched with witch hazel, lemon, sage leaf, and green tea extract.

ELIZAVECCA MILKY PIGGY CARBONATED BUBBLE CLAY MASK

Get it at Althea Singapore for a discounted price of S$14.40.

From the makers of the painful Hell-Pore Clean Up Mask comes the funky Carbonated Bubble Clay Mask. The Elizavecca Milky Piggy Carbonated Bubble Clay Mask took the Internet by storm due to its fizzy and foamy nature. Watch as it cleanses Vivienne Fung’s face:

To maximize the results, the mask is meant to stay in your skin for five minutes until the bubbles are generated.

BANILA CO. CLEAN IT ZERO

Get it at Changi Airport for S$19.70.

Are you hunting for a facial cleanser, which is supported by positive consumer reviews? Look no further than the Clean It Zero. This “scoopable” cleanser starts out as a solid balm and later turns into an oil when you massage it to your skin. It boasts with papaya extract – a gentle exfoliating ingredient that will give you a glowing complexion. No need to brighten your face with a beauty app!

Lastly, it claims to remove even the clingiest of makeup looks!

HOLIKA HOLIKA GOLDEN MONKEY GLAMOUR LIP 3-STEP KIT

Get it Althea Singapore for a discounted price of S$2.70.

Ready to renew your pout? Ladies and gentlemen of all skin types can benefit from the Golden Monkey Glamour 3-Step Kit.

As I have insanely chapped lips, this lip mask buzzes music to my ears. You have heard of a face and a lip mask works similarly. Apply it to your beloved lips to exfoliate and hydrate it.

Sources:1 & 2

The Contemporary Social Media And Financial Affairs

Here is how social media platforms can blend well with your personal monetary affairs.

YOU CAN CREATE A BUSINESS REPUTATION.

Content meets entrepreneurship as modern technology allows you to craft an online business persona. Use social media platforms to reach as many consumers as you can. You are free to advertise your products or service, but be wary of oversharing. Oversharing information may cost you plenty of money.

As Robert Siciliano, the online security expert for McAfee, once said: “Online reputation management and mitigation companies are a booming business because people just can’t stop posting things they shouldn’t, which often have long-term negative effects on their personal and professional lives.”

EDUCATORS CAN SHARE ENLIGHTENING VIDEOS ABOUT MONEY.

To increase mutual engagement between the financial literacy material and the students, educators can present a video inside and outside the classroom. Video sharing websites such as YouTube allows lecturers to upload their lessons, which can easily be shared by the students. This enables the students to process the money issues at their own pace.

Turn up the kinesthetic facet up a notch by asking your students to create a video to supplement their assigments related to budgeting or managing debts. This activity will connect them more to the lessons that you are teaching.

YOU CAN USE YOUR PROFILE AS A LEVERAGE.

One of the “online rules” that you must live by is to assume that your posts are all public. This assumption will make you accountable for your actions. After all, your employer may be stalking your every virtual move.

If you despise your job or your boss, it may be tempting to rant endlessly on Facebook. Posting does not cost a cent! However, doing so could sabotage your career. Do you remember the former NTUC Assistant Director who got fired due to her racist comments on Facebook? Well, NTUC’s Membership Partnership & Alliance took immediate actions as they have zero tolerance for racism. On that note, never post anything negative or unpleasant about your previous or current employer. Always use common sense!

FINANCIAL EXPERTS CAN EASILY COMMUNICATE WITH YOU.

Image Credits: pixabay.com

Experts provide significant financial education that will benefit you throughout your lives. This is where the power of social media comes in. Social media platforms present a tremendous opportunity to reach diverse generations, especially the Millennials. Millennials use technology to learn about their personal money matters. So, use specific hashtag such as #financialaid or #guidetobudgeting to expand the discussion to more users.

Sources: 1, 2, & 3

Top Children’s Financial Books Under S$30

These four books feature the topic of money without making your child feel overwhelmed. The important lessons come subtly as they are sprinkled with sensible humor, lovable characters, and colorful adventures.

A CHAIR FOR MY MOTHER

Buy it at Kinokuniya for S$14.37.

Recipient of Caldecott Honor, “A Chair For My Mother” is an inspiring tale written by Vera Williams. The story revolves around a family who lost everything due to a horrible fire incident. Rosa and her family worked hard to purchase a comfortable chair that will serve as the only furniture in their home. The book highlights the challenges of people who have minimum wage jobs. It is suited for kids ages 4 to 8.

THE LEMONADE WAR

Buy it at Kinokuniya for S$13.31.

Are you nurturing young saleswoman and salesman in your backyard? Consider grabbing the “The Lemonade War” by Jacqueline Davies. Siblings Evan and Jesse compete in a lemonade war to earn the first one hundred dollars. Prepare yourself as their competition will reach amusing heights!

The book conveys the basics of money management and business planning in the context of an entertaining story. It aims to hit the hearts of children ages 8 to 12.

FANCY NANCY AND THE FABULOUS FASHION BOUTIQUE

Buy it at Kinokuniya for S$29.98.

For your beloved princess who loves to dress up, the “Fancy Nancy and the Fabulous Fashion Boutique” is the perfect read. Nancy is a delightful girl who enjoys transforming the most ordinary events into glamorous occasions. She sets up a fashion boutique to make money to sustain her wants. At her boutique, you will find accessories, rhinestones, clothes, and so much more. The items she was selling came in handy when her sister’s party went amiss. This book echoes best to kids as young as 4.

WHERE THE MOUNTAIN MEETS THE MOON

Grace Lin’s “Where the Mountain Meets the Moon” mashes Chinese folklore with the classic elements of The Wizard of Oz. She has written a wonderful story of friendship and fantasy. It starts with a girl named Minli who lived in a ramshackle hut with her parents. Minli seeks to change her family’s fortune.

Image Credits: pixabay.com

Inspired by her mother’s old folktales, Minli spends her copper pennies on a magical goldfish. The goldfish is believed to bring good luck. As you may have imagined…the bargain paid off!

Sources: 1 & 2

Amazingly Free Things To Do On Your Off Days

To help you recharge and reignite your passion for life, I listed 15 inspiring things to do when your day off comes. All these activities do not cost a cent!

1. Witness the magnificent aerial view of the city by stepping into the ION Sky. ION Orchard’s observatory is open from 3 to 6 PM daily.

2. If you rarely take time away from work, take this as an opportunity to tone up your body. Begin by brisk walking at the nearby park.

3. Brush up your skills by taking open online classes from institutions around the world. Coursera is a popular platform that offers classes from prestigious universities such as Princeton and National University of Singapore.

4. Listen to your favorite type of music by building your own playlist at Spotify. Take the 7-day free trial.

5. Savor a spotless kitchen by cleaning all your utensils and electrical equipment. Do not forget to switch off these equipment before you start cleaning.

Image Credits: pixabay.com

6. Learn how to make an Origami Paper Crane. This creative skill is not only a good conversation starter, but it is also handy in parties.

7. Lay like a couch potato by employing a movie marathon. Watch the entire Star Wars series for approximately 13 hours or the Lord of the Rings trilogy for about 11 hours.

8. Arrange your living environment according to the principles of “Feng Shui” to help you feel more balanced.

9. Go to the nearby public library. Here, you may read books that will help you to improve your career.

10. Start saving for your future by opening a savings account. If you already have one, you may dedicate this day to making a significant deposit to your account.

11. Watch the glorious sunset with your special someone. Capture the moment by posting it on your social media platforms.

12. Enjoy outdoor movie screenings (and occasional free snacks) with Movie Mob. It is a drive-in event, which is held in various areas. Check out the next screening at facebook.com/apemoviemob.

13. Create homemade spa treatments by using the materials that are available to you. Nothing beats beauty time!

14. Take a relaxing stroll at the MacRitchie Reservoir’s Treetop Walk. This will enable you to connect with nature.

Image Credits: pixabay.com

15. If you are deeply attached to your handphone (like the rest of us), you may want to declare a device-free day. Allow yourself to live in the present moment. Fully enjoy the day with your friends and family.

Sources: 1, 2, & 3

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