Having a wrongful attitude toward money can cost you in the long run. The earlier you alter your belief system, the sooner it will pay off. Here just some of the attitudes that you can slash off:
“MONEY IS NOT VALUABLE!”
If you relieve the weight on your finances, you may start spending carelessly. Saying money does not matter is like saying that you can live in Singapore without having to work. Money is valuable as it lets you exercise choice. You can choose to change jobs or to retire early. It helps you to afford the options that will change the way you live.
“I WILL REMAIN FINANCIALLY ILLITERATE.”
Just because you never attained a “Diploma in Banking and Finance” does not mean that you cannot learn to manage your wealth properly. Having the negative attitude that you are not good with money can increase the fallout in your finances. This ideology is more common than you think.
Image Credits: pixabay.com
According to Kathleen Kingsbury, a financial author and money coach, women typically complain about being too stupid to learn about finance. This is not true! Since women learn by conversing, realize that your lack of financial knowledge is due to the lack of socialization related to money. An individual may join an educational club about personal finance as a solution. These matters can be applied to main as well.
“IT IS NOT POLITE TO TALK ABOUT MONEY.”
As we live in a predominately Asian nation, talking about salary or money in general is taboo. This may lead to poorly equipped individuals. You see, money has been a source of many conflicts. This is why most people skip this topic.
The downside is blatant ignorance. It is your duty to separate money facts from fiction. To get your facts straight, you must search for answers. You may not get the right information if you remain silent. People may not be able to help you in huge monetary decisions too.
Image Credits: pixabay.com
Do you have these harmful financial attitudes? Perhaps, it is time for change.
This is the season to be jolly. Parties, presents, and all the festivities do not come cheap! You can easily be trapped into months worth of debt if you remain careless. This is why you must find a few creative ways to earn extra money.
1. RECYCLE YOUR STUFF
Your unwanted pile of trash can turn into treasures thru a single environmentally friendly act – recycling. Some individuals, especially in developing countries, make a living by selling scrap. Do something similar by submitting your trash into one of Veolia’s recycling station. Veolia’s Cash-For-Trash Programme started in May 2014. Since then, various stations were set up within the HDB estates.
Papers can earn you about 10 cents per kilogram while, old clothing can earn you about 30 cents per kilogram. Aluminum cans can earn you about 50 cents while, metal tins can earn you about 10 cents. The distinct prices of your items depend on the quantity and material.
2. SPREE FOR FREE
Wouldn’t it be nice if the cost of your holiday shopping was generously covered? I know it sounds counterproductive to make money by spending money, but it is possible!
The people that shop for a living are called Mystery Shoppers. Mystery Shoppers are paid by the company’s marketing department to report about their experiences as they try the said company’s services or buy their goods. Accepting this job will entail getting paid for your time as well as for the items that you bought.
Eager to be one? Check out the current job openings at Gumtree.
3. WORK MORE THAN USUAL
I am going to impart one of the most efficient ways to make more money in the remaining days of December. This is none other than hustling at your current job. Work overtime and take extra projects. You may be tasked to widen the referral system or input hundreds of data. Just take on the task that no one else wants and receive appropriate payment for it.
4. WRAP FOR FEE
As the eldest of three siblings, I experienced wrapping gifts for several friends and family members. It is undeniably a chore that most people do not appreciate. This is why gift wrapping enthusiasts and alike can offer their skills for a fee. Purchase colored papers, festive ribbons, and gift tags in bulk to save more money.
If you can sell your service in a cheaper rate than what the shopping malls are asking then, you can easily hit the jackpot.
5. SELL YOUR SNAPS
Have you ever been attracted to the images attached in the online blogs and other advertisements? Most of these eye-catching features were from the company’s stock images. Stock images consist of photographs that are usually licensed for specific purposes. Companies pay decent amount of cash for these.
If photography is a special part of your talent reservoir, consider selling your masterpiece. Companies are in constant need for images for their websites, brochures, cards, blogs, and other projects. Start by selling your snaps on Shutterstock. Each website works differently so read through the guidelines first before you commit.
Singapore is a melting pot of various cuisines that cater to all sorts of palettes including the burning one. By burn, I am pointing out the dishes that evoke a desired intraoral sensation by putting spices such as chilli (or chili) peppers and curry. Fortunately, satisfying your cravings for spicy food does not have to come with a price tag that is beyond S$40!
For people who love Thai food as much as I do, scouting for an affordable yet authentic restaurant can be a hobby. Look no further than the casual experience that Nakhon Kitchen can bring. Most of its dishes are reasonably priced for as low as S$6. However, its seafood dishes range from S$10-12.
Going back to the topic at hand, Nakhon Kitchen’s resident Tom Yam Soup is a reward for the spicy food enthusiasts. The extremely spicy soup is garnished with the generous amount of chicken and seafood. The distinctive aroma of lemongrass and the taste of sourness will win your heart in the first bite alone.
Location: 212 Hougang Street 21 #01-341, Singapore 530212
As it turns out, spicy food seems to gravitate toward the laid-back atmosphere. I am referring to the smooth vibe of the Korean Native Language that diners at Kko Kko Na Ra Korean Restaurant can appreciate. What patrons keep coming back to is their version of a tasty fried chicken. The fried chicken has 4 flavors namely: hot & spicy, sweet & spicy, soy garlic sauce, and original. Stretch your dollar by ordering the “combo set” to get an assorted plate that features all the flavors.
Aside from the chicken, take your spicy taste-buds on a joyride as you devour either the Kimchi Chigae and the Spicy Korean Ramen. The prices of the dishes range from S$15-30.
Location: 57 Tras Street, Tanjong Pagar, Singapore 078996
Mellben Seafood has grown immensely since its humble days along the Alexandra Road. Spanning with about three outlets in Singapore, Mellben Seafood is known for its delicious chilli crab. You can expect nothing but huge crabs showered with spicy, slightly sweet, and thick chili sauce. You may request to adjust the spiciness to the level that you can easily bear.
Situated at a Kopitiam in one of the HDB estates, Mellben Seafood at Ang Mo Kio is remotely away from the bustling center of the Lion City. Its menu features a wide array of crab meals such as Chilli Crab, Black Pepper Crab, Butter Crab, and Shimmering Sand Crab. The average price per person is approximately S$35. You can save more by sharing a hearty plate.
Location: #01-1222, 232 Ang Mo Kio Avenue 3, Singapore 560232
Please offer a moment of silence as I usher the spiciest challenge in town – the “Spaghetti from Hell”. Food adventurers and novice alike are familiar with this Southwest Tavern dish. Put your chili tolerance to the test as you chug down a seemingly friendly plate of pasta in under 10 minutes. Come out victorious to win S$100 worth of dining vouchers or other rewards. If you are not eager to participate in this challenge, you may choose the level of spice.
Spaghetti from Hell comes in three forms: the Hell’s Gateway (about S$18), the Halfway There (about S$22), and the Level 18 (about S$26). You may also try their Suicide Wings (S$14-22) to intensify the entire meal.
Location: 8 Boon Lay Way #01-33 Tradehub 21, Singapore 609964
This article has provided your with some of Singapore’s top spicy dishes. May you enjoy the tasty burns ahead! 🙂
In this day and age, you can choose to create a massive wardrobe. You can choose to befriend the people who inspire you. Oh! You can even handpick the gender of your baby.
However, you usually cannot choose the people whom you will work with.
The fixed structure of the workplace allows you to interact with all sorts of people. Every workplace has toxic workers. It is inevitable! Dealing with these difficult people is challenging, yet very rewarding. Increase your positive coping skills by absorbing these tips:
Rise Above The Negativity
Some people love to create a bubble of negativity above their heads. They complain about almost every topic that exists. They feel overworked and underpaid. They do not like their bosses. Nor do they enjoy their jobs. They think their careers are on the brink of destruction!
If you are surrounded by Negative Steve and Negative Betsy, you have two moves up your sleeves. You can either avoid the negative bond or hear the person out. Avoidance is acceptable in this situation as you do not want to create a parasitic relationship (i.e., where one is dependent on the other). Take in the essence of what Tony Chatman, a corporate relationship professional, once said.
“If you bond with someone on a negative issue, they will feel that they have found a partner in their distress, and they will look for you every time they feel something negative.”
My significant background in Psychology supports these ideas. Once you bond with the negative co-worker and stimulate his or her rants, you act with validation. You make the person feel right and that the behavior is acceptable.
The other path opposes the first strategy as it employs active listening. You can initially listen to the complaints of the negative person. Decide whether these claims are legitimate or not. If so, offer assistance to solve the present problem. Know your limitations when giving advice. Suggest reading credible books, attending informative seminars, and consulting the professionals in the company’s Human Resources Department.
Prevent The Spread Of Infectious Gossip
Do you ever wonder how your every tiny mistake reaches your boss? Or, perhaps you are wondering how your embarrassing pictures reached the company’s Facebook group. Search no further than the Office Gossipmonger. Gossipmongers cannot keep their mouths shut when it comes to bad news. Instead of offering help, they seek to lower your credibility to stay ahead of the workplace hierarchy. They love to blabber about different stories as long as it does not involve them.
To prevent the spread of the infectious rumor, you must hold back on the private things about your life. Do not disclose an information that you do want others to know about. Remember that everything you say may be used against you. Donna Flagg, the author of Surviving Dreaded Conversations, highlighted that you must: “keep a safe distance so as to avoid getting sucked into the toxicity”.
As with anyone, there is a positive side to them. You can use them as a tool to spread an important information. If you want the workplace to act upon a specific issue, relay the “confidential information” to the gossipmonger. I am pretty sure that he or she will not be able to resist the urge to spread the message right away.
Learn How To Handle The Resident Bully
Workplace bullies employ emotional, physical, or sexual attacks toward their co-workers. Examples of wrongful acts include inappropriately criticizing one’s performance and taking credit for other people’s work. Consequences of these acts include dreading to go to work and public humiliation (i.e., due to being shouted or called at).
The upcoming fact took me by surprise! Statistics found that 1 in 4 Singaporeans have suffered from workplace bullying with the top aggressors being their bosses (62%) and their clients (21%). To make matters worse, Singapore was one of the few countries with the highest acceptance of workplace bullying.
If you are one of the unfortunate targets of the resident bully, deal with him or her by reading this article.
Image Credits: pixabay.com
Sometimes, prized abilities and proper work ethics do not go hand in hand. This is why toxic or difficult people exist at the workplace. You may not control how these people behave, but you can control how you will react to them. Think about this!
The traditional mode of how insurance is sold is a frustrating process for most people. Consumers do not know where to start when it comes to getting insured. In many cases, there is a sales-pitch and high pressure selling from advisers who have a conflict of interest.
To address these needs, Do It Your-way Insurance (DIYInsurance) was launched in 2014 to empower people to make informed decisions about their own insurance purchase and they started Singapore’s 1st Life Insurance Comparison Web Portal for users to compare insurance products and provide greater transparency. To-date, more than 150,000 users have used DIYInsurance.
Consumers find it difficult to know where to start when it comes to getting insured. To help consumers obtain an assessment of their life insurance needs, they have recently launched Selfcheck, Singapore’s 1st digital adviser to bring insurance planning to the next high level.
This is like having an insurance adviser help you with your insurance check-up and providing instant advice, but without you feeling the obligation to buy anything.
You can easily uncover:
types of insurance you really need
how much insurance you require
surplus or shortfall in your insurance coverage
recommended policies to meet your needs
Everyone can now perform a Selfcheck and obtain a customised and tailored insurance solution from a place they can trust.
The DIYInsurance Difference
Expert advisers to assist you
When you plan your insurance with DIYInsurance, they assign a dedicated expert insurance adviser to complete your planning process. Simply put, you use Selfcheck to build your own insurance plan and the human insurance adviser act as your guide to complete the process by fine tuning your plan. This is insurance advice at its best.
Honest advice
To avoid conflict of interest, all of their insurance advisers are salaried-based and not remunerated on a commissions-basis hence there is no incentive to hard-sell and push products that reward higher commissions. DIYInsurance wants to provide the most honest, independent and competent advice to their clients.
Dedicated after-sales service
If there are any claims or after-sales service requirements, you not only can approach your adviser, DIYInsurance has an entire team of Client Service Managers who stand ready to assist you. All you need is to contact them and they will do everything for you.
It is critical is that there is a trusted DIYInsurance adviser and a client service team whom you can always go to. DIYInsurance is not just High-Tech, they are High-Touch.
Lower Cost
With Selfcheck, the insurance process is made more efficient and hence they are providing greater cost savings to their clients by increasing their commission rebates from 30% to 50%.
DIYInsurance rebates 50% of the salesperson’s commissions to their clients and retain the remainder of the commissions as their service fees. These rebates to their clients are on top of ongoing policy promotions offered by the insurers and they rebate the commissions for as long as the insurer pays them on a policy which could be over a period of 3-6 years.
Expertise
Started by Providend Ltd, a licensed financial adviser and registered fund management company with the Monetary Authority of Singapore (MAS) since 2003, the key leaders of DIYInsurance are Chief Executive of Providend Ltd Christopher Tan, MBA, CFP® and Head of DIYInsurance, Eddy Cheong, CFP® whom each have almost 2 decades of experience in the wealth management industry. All DIYInsurance advisers are licensed with the MAS.
Summary
When you plan your insurance needs through DIYInsurance, what you get is quality, transparent and conflict free advice at a much lower cost from a trusted place. Best of all, you can do all this at the comfort of your desk, without feeling the pressure that you need to purchase something. In addition, you still get all the help needed when you need to claim against your policies. That is why DIYInsurance is not “Do It Yourself Insurance” but “Do It Your-Way Insurance”. Try Selfcheck today!
