Christmas gift ideas under S$30 for kids

Christmas is around the corner! If you’re not on route to a VTL trip this yearend, it’s not too bad to celebrate a cozy Christmas within the safe borders of Singapore.

To completely feel the Christmas vibes, you will want to get your Christmas trees and decorations up and hanging. Families with kids should definitely involve their children in the process! And on the night of Christmas Eve, remember to place your nicely wrapped gifts under the light-filled tree.

If you’ve not gotten your presents for the little ones, take it from our list of Christmas gift ideas under S$30 for kids.

#1: Lego Creative Bag Charm

Lego Creative Bag Charm

Now: S$7.90

Usual Price: S$10.90

This LEGO Creative Bag Charm is a sand-colored 2 x 4 Lego brick with 12 Lego pieces for making creative faces tied to a sturdy metal ring and chain. It can be used to keep keys safe, or can be attached to your kid’s backpack to distinguish theirs from their classmates’! A fantastic Christmas present for children six years old and above who are Lego lovers.

#2: Kinetic Sand Hidden Treasure

Kinetic Sand Hidden Treasure

Now: S$9.99

Usual Price: S$12.99

With the Kinetic Sand Buried Treasure set, children can now hunt for gold at home. Have them find the buried tool that helps to scoop, shovel, and transform the kinetic sand. They might even locate the unique gold coin while searching for the three bronze or silver coins hidden within. The portable treasure chest makes an ideal storage container for the kinetic sand once your kids are done with their playtime. The sand is easily moldable, glides through one’s hands, and never dries out, allowing your children to play over and over again.

#3: 4M Green Science Salt Powered Robot

4M Green Science Salt Powered Robot

Price: S$16.90

This 4M Green Science Salt Powered Robot offers a hands-on learning opportunity that emphasizes the importance of renewable energy sources. It is safe and non-toxic because it is mainly operated by a chemical reaction between saltwater and charcoal. This kit comes with everything your kid needs to build a saltwater-powered robot. It is specially designed for children aged eight and older and comes with a comprehensive user manual.

#4: Usborne Sticker Book & Jigsaw (100pc) Set – Unicorn

Usborne Sticker Book & Jigsaw Set

Now: S$19.90

Usual Price: S$24.90

Usborne Unicorn Sticker Book & Jigsaw Set is a brightly colored 100-piece jigsaw and a 16-page sticker book packaged together in a durable box. The jigsaw puzzle contains 100 pieces for kids to put together and is packed with unicorns to uncover. Apart from unicorns, flowers and other charming creatures can be added to the vibrant themes in the sticker book. It has a variety of enjoyable tasks that aid in the development of key abilities such as visual differentiation and memory recollection. A great way for children to get started with intermediate-level puzzles!

#5: Wall Climbing Car – Met Red

RED5 Wall Climbing Car

Now: S$20

Usual Price: S$49.90

This RED5 Wall Climbing Car attaches to most surfaces via suction, allowing your car-loving kid to play on the wall and even the ceiling. Simply set it on the area you wish to run on, and the vacuum mechanism will take its course. It comes with an infrared remote that allows the user to control it wirelessly. You may either recharge straight from the remote or use the USB charging cord that comes with it. This toy also boasts brilliant LED lamps, enabling an upgraded play experience at night! For kids eight and older, this gift would provide gravity-defying excitement.

#6: Aquarellum Junior Dinosaures (Dinosaurs)

Aquarellum Junior Dinosaures

Price: S$24.90

​​Aquarellum Junior Dinosaurs is a collection of watercolor painting kits with fun concepts. Kids may paint four dinosaurs in different colors and shades with this dinosaur bundle! It’s uncomplicated to use, thanks to distinctive imprinted cards that soak paint in certain areas while repelling it in others, with no need for additional tools or templates. Even kindergarteners are capable of creating exquisite artworks with this set. A wonderful opportunity for your kids to hone their color awareness and unleash their artistic side.

#7: Snakes & Ladders Board Game

Snakes & Ladders Board Game

Price: S$24.90

Djeco’s version of Snakes and Ladders has been refined and redesigned with an arctic twist. To ace the game, remember that ladders will help you move closer to the end of the race, but be careful not to fall through the nets and be left behind. This activity aids in your child’s development of number awareness and basic counting abilities. It’s a fun family or team game to play on Christmas Day!

#8: Rainbow Xylophone & Double-Sided Drum

Rainbow Xylophone

Double-Sided Drum

Price: S$27.94 each

Musical instruments are incredibly beneficial to your child’s development because they help to engage the mind and improve sound recognition. Consider the Rainbow Xylophone and Double-Sided Drum if you’re shopping for musical toys for your toddler or young child. The durable xylophone enables children to recognize colors and musical scales while the adaptable drum allows your little ones to create amazing beats! Use the stick to hit the top surface as well as the ridges on the sides of the drum. Then turn around and strike the wooden-side drum for a differentiated tone.

Read More...

5 Considerations to Make When Hiring a Domestic Helper in Singapore

There are nearly 250,000 foreign domestic workers in Singapore, according to the Ministry of Manpower (MOM), and the number is rising steadily. The high demand for helpers is not surprising, considering that many families need an extra pair of hands to run the household, especially if both parents are working and there are small children or elderly loved ones to look after.

Perhaps you are also contemplating hiring a live-in maid to relieve yourself of the physical and mental stress of having to juggle numerous household chores and your other important responsibilities. If so, you can’t take the decision lightly. After all, employing a stranger who will live with you and care for your family requires careful consideration. Before you contact a domestic helper agency to start the process of hiring a maid, you may want to consider the following factors first to help you make a decision you will not regret.

Costs

Hiring a domestic helper, particularly a maid who will be working in Singapore for the first time, has serious financial implications. You need money for agency fees, work permit application, foreign domestic worker levy, security bond, insurance, and many other expenses. You can expect to pay between SGD500 to over SGD2,000 when you first hire a maid. Besides these initial costs, you also need to allocate a portion of your income for your helper’s salary and additional groceries and utility expenses. In case of an accident or illness, you also have to shoulder her medical bills. Make sure to consider all these things to get a better understanding of whether employing a live-in maid makes good financial sense, given your family’s unique situation.

Your Living Situation

Aside from monetary considerations, you also need to think about your living situation. Do you have enough room in your home for your maid to have her own space? Are you comfortable letting somebody from another country with a different culture and set of values live with you? Although it will be helpful to have someone to help with cleaning and other household chores, remember that this person will be entering your private space. She will hear a lot of conversations and witness practically everything that goes on inside your home. You also have to exert effort to understand your maid’s cultural nuances and make a few adjustments to build a good relationship with her. Essentially, your home life will change to accommodate another person. As such, you should carefully ponder on whether you and your family are ready for these changes.

Your Responsibilities

As an employer, you have the responsibility to pay your helper on time, provide adequate food and lodging, and create an environment that is conducive to domestic work—but your duties do not end here. Because your maid will perform many essential tasks that impact the overall well-being of your entire family, you should care for her as well. Besides being polite and kind, you should be willing to provide necessary assistance to ensure that she is healthy and happy to perform her work responsibilities. You may even need to make special accommodations if you have different religious beliefs, like in terms of dietary restrictions or prayer hours. Are you open to making such compromises? Hiring a live-in maid undoubtedly has multiple perks, but you should be ready to take on the responsibility of looking after a foreign worker as well.

Type of Helper

You also need to identify your needs before hiring a domestic helper so that you’ll have a better idea about the type of helper to employ. Start by listing down all the tasks that you need your helper to do. Go through the list again to see whether the workload is reasonable for just one person to handle. If you cannot perform all the chores you enumerated yourself, consider adjusting the workload. Once you have a sensible list of tasks, the next step will be to determine which skills are of the highest importance to you. For example, if your primary concern is your school-aged children, you may want to hire someone who has experience in childcare and can help with homework more than a helper who is talented in cooking. Ultimately, you can readily find a suitable domestic helper if you have a clear understanding of your family’s needs and priorities.

Maid Agency

The maid agency you will partner with is another factor you need to consider when hiring a domestic helper. Instead of merely relying on advertisements or choosing an agency nearest to you, you may want to do a bit of research yourself to find a reputable service provider. For one, the agency should be licensed by MOM and accredited by relevant authorities. You may also want to check the track record of the employment agency you are eyeing on the MOM website. You can also read client reviews or ask your relatives or friends with maids for recommendations. At the end of the day, you should do your due diligence to ensure that you will pick out a reputable maid agency that will protect your interests.

You may not realise it, but you are essentially outsourcing your important household duties when you employ a domestic helper. She will live with your family to help you manage your home and care for the people you love so you can focus on other essential responsibilities. That said, hiring a live-in maid requires careful consideration. Think about every aspect of employing a helper before hiring one. And when you decide that your family is ready to commit, be sure to take your time finding the right maid agency that will source the ideal person for the job.

 

Read More...

6 Clever Tricks To Help Singaporeans Spend Less On Groceries

Perfecting your grocery budget can help you make serious contributions to your savings. Best of all? Saving on groceries does not have to mean skipping on delicious meals or depriving yourselves of quality produce. Read the following backs before you complete your grocery shopping trip.

#1: BRING A SHOPPING LIST

Whether you want to write down your grocery list on a piece of paper or bring a portable list through a mobile app, you can save time and money by sticking to this list. Free apps such as rShopping List (available on Android) and AnyList (available iOS & Android) let you create customizable lists to help you avoid unnecessary purchases. Some of these apps have built-in calculators too! Use this app to help you split the list when shopping with friends or family members.

#2: SHOP WITH A BASKET

Believe it or not, study showed that consumers tend to spend 40% more money than usual when the size of their shopping carts were doubled. Simply put, people tend to feel more comfortable with filling up trolleys due to its larger size. Trick yourself to narrow down what you need by carrying a basket instead. It may be easier to push a trolley but carrying a basket can help you spend less time and money in the supermarket. What’s more? You can enjoy a free arm workout.

#3: FIND CHEAPER-PRICED ITEMS

Supermarkets strategically put their pricier and popular items at the eye-level so you can get tempted easily. Next time you shop, give yourself the opportunity to comprehensively look at the shelves from top to bottom. While you are at the fresh meats section, filter through the displays to spot the reduced-price items. These packaged meats may be on the display for a few days, but they are still good for the same-day cooking.

#4: LOOK AROUND

Since every aspect of the grocery stores are meant to entice you to buy more, you must not buy the first brand you see. Chances are, products in the lower shelves are of the same quality, but they are cheaper. House brands are typically placed there. Moreover, fresh milks that expire next week are usually hidden behind the carton that expires tomorrow. Feel free to look around.

#5: BUY A WHOLE CHICKEN

A fresh whole chicken retails for about S$6 at the supermarket, whereas buying separate parts of the chicken can cost twice that amount. So, do not be afraid to cut the whole chicken by yourself. There are useful and free tutorials on YouTube. All you need is a sharp knife!

#6: EARN CASH BACK REBATES

Whether you are living with your kids or by yourself, groceries can cause a huge dent to your wallet. Since they are essentials, you cannot exactly cut down so much on the costs. However, you can still get cash rebates.

Image Credits: unsplash.com

If you have a grocery credit card, you can earn cash back rebates whenever you shop.  While some cards can help you save money on Giant, others can increase your savings at NTUC FairPrice or Sheng Siong. Get the best grocery credit card that suits your needs and your grocery preferences to save up to 8%!

Sources: 1 & 2

 

Read More...

4 Important Things Teens Don’t Know About Finances

An eye-opening study showed that only 17% of teenagers between the ages of 12 and 17 knew how to manage their money. Among these respondents, 24% said they did not know the difference between credit and debit cards. Budgeting was a concern as well as learning how to save money.

One of the reasons why the teenagers lack knowledge of money matters boils down to their parents. They elaborated that their parents were not doing an excellent job in teaching them about money. Moreover, personal finance was not embedded in most of the academic institutions.

Fill in the gap by instructing your children about these important financial subjects.

#1: BASICS OF BUDGETING

Budgeting is among the biggest priorities of teenagers. Budgeting allows an individual to track where the money is going and where it needs to be. While it is tempting to accept money from your parents and quickly burn through it, it is vital to know how to maximize it.

Parents must not let their children be dependent. They will end up unaware of how to manage their finances.

#2: BASICS OF BANK ACCOUNT

Instilling in children the concepts of earning, saving, and investing is essential in developing life skills that they can use in the future. Opening a bank account or a savings account can help the teen to manage his or her own money.

Image Credits: unsplash.com

Knowing the basics of bank account such as navigating through the online banking and transferring funds to other accounts is important. As there are no up-to-date teaching tools to help teens learn about bank accounts, you may take your child to the bank to get a hands-on experience.

#3: POWER OF COMPOUNDING

Compound interest is the interest on a deposit or loan calculated based on both the accumulated interest from previous periods and the initial principal. Time is the teens’ friend. They all have the potential to be millionaires someday, but the odds of attaining that goal increase sharply if they save early.

You can start by putting away a reasonable amount per month. Let it grow!

#4: POWER OF EMERGENCY FUNDS

Whether you come from an affluent household or a modest one, putting away some money for emergency use is essential. Parents may teach their children about the importance of emergency funds by painting real-world scenarios such as assigning a job per child. Ask the child what they would do if they suddenly had twins or a critical illness. Remember to keep things simple by excluding complicated jargons to your conversations.

Image Credits: unsplash.com

Make it a priority as a family to be more mindful with your money. Spend less and celebrate how money is grown over time.

Sources: 1 & 2

Read More...

5 Affordable Counselling Options In Singapore

Counselling is the professional guidance given to an individual. The professional uses psychological methods in collecting case history data, personal interview, and testing interests or aptitudes.

Counselling is a form of talk therapy whereby an individual, a couple, or a family talk about their problems with a trained professional counsellor. Remember that your mental wellbeing is as important as your physical health. Whether you are struggling with addiction or facing the pressures at work, here are five affordable counselling options in Singapore.

#1: FAMILY LIFE SOCIETY/CATHOLIC FAMILY LIFE (CFL)

Family Life Society or Catholic Family Life (CFL) is a registered charity and a member of the National Council of Social Services. Their patron is the Catholic Archbishop of Singapore. CFL aims to provide pro-bono counselling services to anyone who requires support.

While CFL focuses on parenting and pregnancy issues, they also provide a listening ear to people who are dealing with personal and family issues.

Visit their website for more information.

#2: SINGAPORE COUNSELLING CENTRE (SCC)

Singapore Counselling Centre (SCC) offers professional counselling in different languages and dialects such as English, Mandarin, Malay, Tamil, Cantonese, and Hokkien. Its services are available from Monday to Sunday. The flexibility allows people who work on the weekdays to get necessary help on the weekends.

The rates vary for adults, children, youth, couples, and families. For instance, one-session is priced at S$160.60 for adults, S$160.50 for children and youth, $235.40 for couples, and S$363.80 for families. You can purchase a 10-session package to save up to 20%.

Visit their website for more information.

#3: SILVER RIBBON SINGAPORE

Do not worry about the hefty bills that come with counselling services because the Silver Ribbon Singapore offer free counselling services through video calls.

As a strong advocate for mental health, the people behind Silver Ribbon Singapore organize mental health workshops and awareness seminars. They help students, migrant workers, and psychiatric inmates to better cope with their personal struggles.

Visit their website for more information.

Image Credits: unsplash.com

#4: SINGAPORE ASSOCIATION FOR MENTAL HEALTH (SAMH)

If you are uncomfortable with communicating with an actual professional counsellor through an in-person session, you may opt for a phone call or an online helpline instead. Singapore Association for Mental Health (SAMH) has a helpline for all mental health-related issues.

SAMH has an in-person donation-based counselling session and a helpline. Counselling sessions are free to people whose finances are tight. Call 1800-283-7019 for more details.

#5: ASSOCIATION OF WOMEN FOR ACTION AND RESEARCH (AWARE)

In Singapore, Association of Women for Action and Research (AWARE) aids females who have been victims of sexual assault or harassment. AWARE’s female-centric programs and services are designed to help females to deal with issues such as sexuality and violence.

Services are exclusively available for women above 21, but they also accept referrals from the Sexual Assault Care Centre. These sessions can only be done on an appointment basis. Adults are charged at 1% of their monthly salary (i.e., capped at S$150). While students or people with no income are required to pay a minimum fee of S$20. Call 1800 777 5555 for more details.

Sources: 1, 2, & 3

Read More...