3 ways to look for the best in people

Some people we know adopt generally negative and cynical attitudes towards others, but in doing so, they fail to realize that they have missed out on the joys of life. These people sometimes impose self-righteous beliefs on to others and form judgments of how others should behave. They keep close tabs on people’s mistakes rather than focusing on the positive experiences all of you can create and share. And such behaviours potentially strain friendships and social ties.

On the other hand,  if everyone recognizes the fact that life has its own struggles, we could be more forgiving and compassionate.  We can alleviate our own suffering while not adding to others’ emotional burden by being positive and looking for the best in people in 3 ways.

Image credit: fastcompany.com

Image credit: fastcompany.com

  1. Cultivate a compassionate attitude in which we are empathetic, receptive, understanding, and loving towards others. We all have independent minds that think differently due to disparate cultural and social influences. Most of the time, there isn’t a clearly superior or inferior viewpoint. It is thus often in our best interest to expose ourselves to the universe of diverse ideas and beliefs and learn the beneficial ones through methodical comparison and evaluation. At the same time, when we cultivate compassion instead of negativity, we become closer to the people we love and care about and experience a greater sense of moral fulfilment within ourselves.
    Image credit: interviewling.com

    Image credit: interviewling.com

  2. Understand everyone has their own strengths and weaknesses and seek to recognise and complement people’s strengths instead of being unduly obsessed with their weaknesses. More often than not, it reaps far more extraordinary results by spending one’s limited time and resources on building strengths than minimising weaknesses.
    Image credit: themaritzinstitute.com

    Image credit: themaritzinstitute.com

  3. Put yourself in other’s shoes and think from their angle. Always think of how you would want to be treated. Do you like somebody to nitpick your mistakes? If not, the best way to solve a problem is rarely blame shifting or lashing out on others. Instead, maintaining a cool-headed composure and providing constructive (rather than destructive) feedback would be a much more effective remedy. This speeds up learning, resolves the issue and gains other’s favour.

It is important to accept that we create and shape the world we want to live in. If we want others to be compassionate, considerate and understanding, we have to first be comfortable with exhibiting these traits. If we want others to discover and augment our strengths, we should first have a stake in developing others’ strengths and bringing them success. The old adage “don’t do unto others what you don’t want others to do unto you” still holds unwaveringly. Start appreciating what others have as opposed to getting sore at what they lack could be the first step. Every effort to make the world a more congenial place to live in counts.

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Eating Out? Make Healthier And Cheaper Choices In Just 5 Ways

With the influx and the variety of the restaurants, cafes, and other eateries island-wide, it is always a good time to dine out at the Red Dot. But…this does not mean that you can freely eat unhealthily or splurge a lot.

Here are 5 ways to work around it:

1. MAKE IT A HABIT TO SEARCH IN ADVANCE

Before dining in the restaurant, make it a habit to check their menu online. Websites such as sg.openrice.com, yelp.com.sg, or hungrygowhere.com can help you locate a restaurant, identify its menu, and give you an estimate of the average spending. This will help you make tastier, healthier, and cheaper decisions.

2. CONSIDER ORDERING A MEAL

Imagine being in an affordable buffet with all the calorie-rich food available at your arm’s length. It sounds tempting doesn’t it? Yet your health may be at cost. Instead of always opting for a buffet, consider ordering a single meal that is packed with nutrients!

3. DISTANCE YOURSELF FROM THE APPETIZERS

Even if the restaurant appetizers are free, do your best to skip it as some of it are packed with calories. Appetizers are also made to fool your brain unto consuming more food that you intend.

Image Credits: wEnDy via Flickr

Image Credits: wEnDy via Flickr

4. CHEW SLOWLY

Indulge and savour the taste of your food. Eating slowly will help you realize that you are actually satiated. Thus, you will eat and purchase just enough or even less.

5. CHOOSE YOUR DESSERTS AND SALADS WISELY

I know I am not the only one who shares a deep fondness for desserts. A delectably sweet cake drizzled with tasty toppings can make you hungry for more. Although it is tempting, it is important to watch your sugar intake. Opt for lighter dessert choices such as sorbets or fruits. As for the salads, be mindful of the creamy toppings and the dressings.

Image Credits: Ralph Daily via Flickr

Image Credits: Ralph Daily via Flickr

With these simple ways, your tummy and your wallet will definitely be happy!

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How to maximize your relationships with $300

Most of us know the immense power a strong social relationship can unleash.  Social ties can have a colossal impact on our thinking, experiences and behaviors and they form a pivotal social support for our physical and mental health. Nonetheless, in the course of building a relationship, ensuring its sustainability is key where we do not overstrain our financial resources.

This article – the second in a five-part series that continues from “How to maximize your life with a $3,000 paycheck”- will thus be looking at the different ways to optimize a $300 monthly “bonding budget”.

Image credit: diet.gtatoplay.com

Image credit: diet.gtatoplay.com

  1. Offering inexpensive treats in office

Spending at least 8 hours every workday in the office is not an exactly enjoyable and eventful affair. Every initiative to keep your colleagues’ chins up – no matter how insignificant in your opinion – is in fact a great form of encouragement. And it does not cost much, probably 10% of the $300 “bonding budget” or $30? Offering to pay for drinks or buying your co-workers snacks or sandwiches could be your first crowning move. It kick-starts the culture of reciprocity and good things will naturally come your way.

Image credit: greatdeals.com.sg

Image credit: greatdeals.com.sg

  1. Play a sport

Studies have shown that exercise may play a therapeutic role in addressing psychological disorders such as depression and prevent chronic diseases such as cardiovascular diseases. But that is not all. Sports can also yield vast social benefits and help to strengthen interpersonal relationships through the myriad of fun-filled interactions. Allocating $100 to the booking of courts, admission tickets to sport facilities, participation in running events and energy drinks and bars should be more than sufficient. Taking part in the POSB PAssion Run for Kids 2015 could be your first step to embarking on a healthy and fulfilling lifestyle while contributing to the fund-raising efforts for the less fortunate children.

A free ActiveSG membership is an icing on the cake. All Singaporeans and Permanent Residents who sign up for it are credited with ActiveSG$100 to be used for sports programmes and entrance fees for the swimming pools and gyms at various Sports Centres island-wide.

Image credit: amazon.com

Image credit: amazon.com

  1. Invest in get-together meals and games

Weekends are perhaps the perfect time for friends and families to relax and unwind by indulging in a food and drink galore while playing the popular board games. Classic board games like Monopoly, Scrabble and UNO are still great fun. But the number of new games has exploded in recent years as a community of independent designers and publishers has been steadily producing innovative, intriguing and alluring games offering experiences emulating the most sophisticated gaming hardware. So put the remaining $170 to good use by purchasing board games which possess enduring benefits and inviting friends over for a potluck.

In reality, there are many more ways to create special and lasting memories with the people you love and care about. What is more important is often not the means to do it, but the willingness to do it.

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How Does One Become Bankrupt And How To Avoid It?

bankruptcy

According to the High Court, an individual becomes bankrupt if he or she owes at least S$10,000 and has no means to pay it.

Filing for bankruptcy can be done by the creditor or the debtor. A deposit of S$1,600 to the Official Assignee (OA) is required. The OA is the authority that is responsible for selling as many of your assets as possible to repay your creditors. Credit bureaus will display your bankruptcy date for five years after the date of discharge.

Aside from this, it is essential to note that there are assets that are protected by the creditors such as furniture, HDB flats, compensation awarded for legal actions, and life insurance policies.

The effect of bankruptcy does not only take a toll on your finances but also on other aspects of your life. For instance, there will be restrictions in travelling overseas and in looking for a job especially as a director of a company. Truly, it drastically affects your lifestyle, your career, and your relationships.

This is why it is important to avoid falling to this “black hole” by being financially knowledgable. To put it in perspective, here are 4 Ways To Prevent Bankruptcy…

  1. MANAGE YOUR DEBTS

First, be aware of how much your debts and assets total to. Include every billing statement, every document, loans, and mortgages you may have. Take immediate action when you notice that it is getting hard to pay for your debts.

  1. CUT DOWN YOUR EXPENSES

After seeing the bigger picture, it is time to cut down your expenses. Reduce the unnecessary expenses first such as designer bags or costly coffee beans. Then, add the minimum payments of your debts and the cost of your necessities to your monthly budget.

  1. SELL YOUR STUFF

To aid your budget, you must sell your unnecessary items among others. Selling whatever you can spare can help pay off your multiplying debts.

  1. SEEK HELP

Calculate the money that you need to prevent bankruptcy. Examine how much money you are able to get. Then, consider seeking help from your family and friends to make up for the difference. Yes! Asking your friends and family for money maybe a shady area but this situation is an exception.

If you still find it uncomfortable to seek their help then, consider hiring a professional (e.g., credit counseling agency or debt management  firm) to help you reduce your interest rates and penalties at friendly time frame.

debt

Image Credits: Images Money via Flickr

Sources: 1 & 2

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5 Wallet-Friendly Ways to Beat The Heat

The scorching hot weather is gracing at Singapore and other parts of Asia. Too much heat can cause exhaustion, cramps, or heat stroke. Luckily for you, you can beat the heat even without the access to air conditioning. Save on huge expenses by following these simple yet helpful tips…

1. USE FANS

Fans are less costly than air conditioners. It can help you feel fresh and breezy as you walk around your house. Make sure the fans are strategically placed to cool the entire area. While you are at it, close the curtains and the blinds to reduce the heat by approximately 45%.

2. DRESS DOWN

Wear loose and light fabrics (e.g., white cotton t-shirt) as these are more breathable. Invest in a few tank tops for only S$5 or less to keep you cooler for the entire day.

You can also consider Uniqlo’s range of AIRism tops, designed to provide extra comfort in humid Singapore. There is an ongoing promotion where you can get 2 piece of AIRism innerwear for just $24.90.

Uniqlo Airism

3. EAT COLD TREATS

Indulge in cold treats such as frozen fruits, ice-creams, or iced Milo. Homemade Popsicles made with simple ingredients such as a can of coconut juice for as low as S$1.10, can help you beat the heat for less. Simply put the juice in your ice-cream molds (available at Daiso for S$2) and freeze it for more than an hour. Or, you may make your own ice cream by following this tutorial.

4. GOOD HYDRATION

In order for your body to remain cooler, you need to keep it well hydrated. When plenty of ice is not enough to keep your water cool, try to freeze it inside the milk carton containers. This will enable you to preserve the coolness of your water due to its block-like figure. A cheaper solution indeed!

5. LEARN YOUR QUICK-COOLING SPOTS

Master your personal bodily temperature by focusing on your quick-cooling spots first. For instance, applying ice pack or cold water on your neck and wrists can make your body cool instantly. Know the other quick-cooling spots here.

Image Credits: Steven Depolo via Flickr

Image Credits: Steven Depolo via Flickr

Sources: 1 & 2

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