MoneyDigest - Personal Finance, Lifestyle, Money Saving Tips

Staycation Ideas That Won’t Break The Bank

By definition, staycation is a holiday taken at home or near your own home. Taking a much needed rest after countless hours of work is truly rewarding. However, the thought of spending on your short vacation may pull you back. Fret not! Budget or time constraint will not stop you from traveling within the wonders of our country.

STAYCATION FOR THE FAMILY

There are two local hotels that offer family packages perfect for a staycation. These hotels are Park Hotel and Village Hotel. The former entices you with two rooms for the price of one! What’s more? Park Hotel Clarke Quay has an exclusive family package that enables children under the age of 12 to stay there for FREE! This package includes breakfast, complimentary kid’s meals, in-house amenities, internet access, and weekend room upgrades. Book a room at parkhotelgroup.com to spend more time with the ones you love.

Now, the latter emphasizes on the nostalgic aura exuded by the Village Hotel Katong. For a little over S$250, you may enjoy a memory-inducing accommodation for two adults and two children. Take your children to the olden days by playing a free Singaporean family game set or by immersing yourselves in authentic Peranakan high teas. This ultimate staycation embodies the #throwback that Millennials overuse today. Booking period for this package is until December 30, 2019!

STAYCATION WITH FRIENDS

There are two ways to go about it – you can either camp out or slumber in. For camping out, you may consider forming a tent at East Coast Park. Skate or cycle your heart away, before indulging in a barbecue feast or picnic by the view. Having no bicycle is not a problem as you can rent from there.

For squads who prefer staying in, you may consider staying at Hotel G or Hotel Mi. Hotel G’s wide selection of 308 rooms are categorized from Good to Greater. Oh! I forgot to mention the affordable rates that start from S$128. The place is a surefire steal considering that it is nestled between Bugis and Dhoby!

I am sure that you are wondering about Hotel G‘s aesthetics. The rooms are decked out in an artistic or rather vintage-style manner. Its gym sways to the industrial design with its grey brick walls and monochromatic portraits. Burning calories through the punching bags, treadmills, and cycling machines is tiring. So, relax at the bar called Ginett. It serves up French wines that cost about S$6 at least.

Lastly, you may score a room for about a hundred-dollar a night at Hotel Mi. It stretches your buck as you can enjoy the in-house amenities such as the pool and the gym. The rooms are airy with a delightful modern look. However, the real steal is its superb location. It is merely a minute away from the Downtown Line. Spoil your options at it is surrounded by a slew of cafes, marts, and stores!

Image Credits: pixabay.com

Sources: 1 & 2

Organic Beer, Is It A Thing?

The 90s gave birth to iconic trends such as tattoo chokers and cropped tops. Along with these trends was the invention of the organic beer. In America, two breweries reign supreme when it comes to organic beer. These two where Lakefront Brewing Co. in Milwaukee and Eel River Brewing Co. in Northern California. Now there are a handful of brands to choose from.

It is easy to call something “organic”, but what does it mean exactly? A beer can put the organic seal if it meets the following guidelines:

a. it is at least 95% organically produced (i.e., without GMOs, pesticides, and synthetic fertilizers)

b. the brewery must prove that the remaining ingredients are not available in sufficient organic quantities or organic form

A beer can still be labelled “made with organic…”, if the brewery used at least 70% of organic ingredients excluding salt and water. Beyond this, a beer can be given a 100% organic certification if the entire process including cleaning and making materials was organic. Such beers are understandably rare!

Image Credits: pixabay.com

Why Should You Drink Organic Beer?

It comes as no surprise that drinking organic beer helps support agriculture. Beer is made with grains, fruits, vegetables, spices, yeast, and water. You can help keep the groundwater clean, reduce the toxic air pollution, and protect the organic farmers when you buy ingredients that are produced organically. If you already subscribe to organic meat and organic produce, why not switch to organic beer too?

Let us focus on the price of organic beer. In most cases, its price is the same as many craft beers. This enables you to enjoy the healthy taste of beer at budget-friendly prices.

Further research in the organic beer industry led me to the discovery of Bison’s Chocolate Stout. It is a product made with Peruvian cocoa from Bison Brewing Co. Aside from this, you may also try Bison Brewing Co’s Honey Basil beer or Organic Hop Cuvee West Coast Ale. Sweet beers quench my preference for sweet alcoholic beverages.

You may also try Lakefront Brewery’s Chad. It is a product that exudes a special bitter taste with a spicy flair. You may have guessed that the product was brewed by a cellar-man whose name is Chad.

Nonetheless, you may check out the organic alcoholic beverages at your nearby supermarket or by visiting alcohaul.sg.

“I wanted to create a beer that connected my healthy, active lifestyle with my social life, and bring it all together.” —Smart Beer Founder Gabriel Heymann

Can You Make Your Own Organic Beer?

The short answer is “YES”! Simply round up these ingredients: malted grain, hop, water, and yeast. Then, follow the instructions found in organicauthority.com.

Sources:1 & 2

Frequent travellers rejoice! In an industry first, Allianz Global Assistance is launching an EXCLUSIVE Allianz Assist Card that comes with S$28 worth of EZ-Link value stored inside. Simply purchase an annual travel plan from Allianz to qualify for this attractive promotion. *Learn more about terms and conditions

Besides getting on-the-go travel companion, purchasing annual travel insurance may save your money and hassles compared to buying a single trip plan. More details below:

Personalized Allianz Assist Card

Upon purchasing an annual travel plan from Allianz, you will receive a personalized Allianz Assist Card as your travel companion that comes with your own name, your policy ID and the policy Type. It will also contain details such as the validity of your travel policy so that you know whether you are still insured when planning your next travel. Your Allianz Assist Card will be delivered free to your registered address and can be used immediately for Singapore public transport rides with no activation of the card required!

Greater Travel Protection At Your Fingertips

Allianz Global Assistance provide greater travel coverage such as overseas medical expenses, luggage loss, and travel delay coverage.

Besides all details listed above, Allianz Assist Card contains a 24/7 Emergency Hotline (+65 6327 2215)where you can and get assistance globally. Most importantly, it contains a QR code which allows you to file your travel claims in a seamless experience. After scanning the QR code on your Allianz Assist Card, you will be brought to Allianz Global Assistance’s online claim portal. Simply follow the instructions, fill up the necessary information, upload softcopies of supporting documents and submit your travel claims! With the Allianz Assist Card, you have greater travel protection at your fingertips!

Purchase Now To Save 45% On Your Annual Travel Plans

For a limited time only, Allianz Global Assistance is launching Allianz Assist Card with a HUGE 45% discount. To receive your personalized Allianz Assist Card (which comes with $28 EZ-Link value), simply purchase your annual travel insurance policy from now till 16 June 2019! Hurry and go online to purchase your Allianz Global Assistance annual travel insurance policy here.

What’s The Hype About Jewel Changi Airport?

Scheduled to open this month is the latest Jewel of Singapore – the Jewel Changi Airport. This multi-purpose development includes a hotel, aviation facilities, retail stores, dining facilities, and various attractions. A complex that houses all these facilities must be massive! The complex covers a total gross floor area of 134,000 meters, which spans about 10 stories.

I am most excited about the key attractions including the world’s largest indoor waterfall and the five-story indoor garden. Let us start with the HSBC Rain Vortex. Standing at 131 ft high is the world’s largest indoor waterfall. At night, the Rain Vortex glistens with lights and sounds. These were curated by the water design expert WET Design. I expect nothing but the best!

Lastly, Canopy Park aims to astound you with its two gardens including Topiary Walk and Petal Garden. The former features animal-shaped topiaries. The latter features seasonal floral displays. These natural displays excites my flower-loving heart!

Aside from flowers, food holds a special place for us. Singaporeans are enthusiastic about the flavors offered by Shake Shack and the comeback of A&W Restaurant.

Image Credits: danielfooddiary.com

Probably the most anticipated F&B opening at Jewel, is the famous burgain chain called Shake Shack. Its first outlet in Singapore is set to open on April 17. Shake Shack will offer its classic coffee milkshake along with locally brewed Jewela Melaka and Pandan Shake. Jewela Melaka is a frozen vanillacustard ice cream with coconut salted caramel, Lemuel chocolate chunks, shortbread, and gula melaka. Pandan Shake (S$7.80) puts a Singaporean-spin to their classic brew by adding pandan. Putting a spotlight on their burgers entails that its made with freshly ground 100% Angus beef. Rest assured that it has a delicate texture, great taste, and no added hormones. ShackBurger costs S$9.20 to $12.90.

Last but not the least is the ultimate throwback F&B opening of A&W Restaurant in Jewel Changi Airport. It is operating for 24 hours daily and is Halal-certified. Many are thrilled to taste the Root Beer Float, Coney Dogs, Curly Fries, and Waffle Ice Cream once more. This all-American restaurant will welcome long queues for sure!

Image Credits:greatdeals.com.sg

Oh! The Jewel houses a Pokemon center too. Certainly, the nation is shaken by the opening of the Jewel! Wait and see for more.

Sources: 1 & 2

Best Places To Withdraw Cash Overseas

Armed with five currencies in our arsenal, my friends and I decided to go to an Indochina trip. We foresaw great expenditures ahead! This is why we decided to divide the expenses throughout the months leading up to our trip. Our airline tickets and accommodations were all taken cared of. However, there were hidden expenses that we overlooked. This burnout my cash.

Now, I turned to the local ATM to replenish my funds. My friends, on the other hand, used credit cards and exchanged their American dollars. Which of us got the better deal? Well, this has been an ongoing debate ever since.

MONEY REMITTANCES

Say that you have an emergency and you do not carry extra cash or plastic cards. How will you solve the immediate situation? For starters, you may have someone from home wire money to you.

Within a day, you can get money from well-known international companies such as Western Union or MoneyGram. These two charge variable fees depending on how much money you are sending, how the recipient will access the money, and where it will be sent. The most economical price entails the slowest service.

The only downside is that remittance fees can run from 1 to more than 10 percent! Generally speaking, faster services entail more expensive fees.

CREDIT CARDS

What will you when your hotel bills skyrocketed without warning? You may consider using credit cards for large purchases like this. I am referring to airline tickets, car rentals, and fancy meals too.

The most attractive advantage to using credit cards while traveling overseas is that purchases are exchanged at the interbank exchange rate. Usually, this is the best rate you can get for a currency exchange. While most credit card issuers ask for conversion fees, these fees are usually lower than what you must pay in currency exchange counters. Furthermore, there are a few cards that do not charge for foreign transactions!

The only downside is the idea of paying hefty late payment charges when the credit card bill arrives earlier than you. So, make advance payment arrangements.

DEBIT AND ATM CARDS

Debit card was my weapon of choice when we went to Thailand. It is a quick way to get cash exchanged in the local currency. I stress on its convenience as major cities and airports have ATMs available everywhere. Moreover, you will get the same interbank exchange rate when you withdraw with your debit or ATM card as you do with your credit card.

The only downside is that you will be charged a service or conversion fee for every withdrawal you make. Fortunately for me, there are several UOB ATMs in Thailand!

JUST A RECAP!!!

Image Credits:pixabay.com

The best ways to exchange currency include using your credit, debit, or ATM cards. As much as possible, use your financial institution’s ATMs to get lesser conversion fees. Before leaving for your travels, ensure that you have your money exchanged in at least two different currencies. When you are back home, see if your bank will buy back your foreign currencies.

Source: smartertravel.com

Search the site