It’s time to consider having a money date

a couple drinking coffee and holding hands

Even the strongest couples can experience tension when the topic of money presents itself. Money can bring hidden differences in opinions, priorities, wants, or needs to the surface. Though in all honesty, it can be pretty uncomfortable to talk about it with your partner.

However, avoiding the topic altogether will not solve any problems. Money touches every aspect of our lives since we need it for our daily living. We also require cash for well-deserved luxuries such as staycations or cruises.

It’s crucial to allocate the right amount of money towards expenses, savings, and splurges to thrive. And in a committed relationship, we cannot do it alone. That is why what you might need is a money date.

What is a money date?

Simply put, it is a date with money as the main highlight. Yes, we know it’s tough even to start. But Kathy Entwistle, the founder of Entwistle Partners, a financial specialist team, says that it gets more accessible and comfortable with every little step.

Having a constructive conversation with your partner about your monetary resources and financial goals can bring both of you to better wealth management and freedom in the future. 

One of the best ways to have this conversation is to set up a time with your partner, just like how you would do for a typical date invitation. A scheduled time and safe space where you and your partner can talk openly and honestly about money issues is the first vital step to take.

When should we arrange for a money date?

You and your partner should begin having money dates when you are ready to build a future together or you’re moving towards a committed relationship.

However, even if you’re already married, it’s not too late to start. You know the famous phrase, right? Better late than never. Regular money dates are essential, so you can adapt to changing financial circumstances and chart your progress towards your current goals.

Why should you consider having one?
a white mug with the word 'conversations' printed

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Mentally, don’t you agree that it’s easier to look forward to a date than a discussion? Scheduling a date ahead of time gives you and your partner time to reflect, get into the necessary mindset, and prepare yourself for potentially problematic money issues surfacing in your conversations.

A money date is also an apt time to gear yourself to discuss your values, goals, plans, and existing resources. Being willing to discuss any finance-related problems freely can help you and your significant other feel less stressed about the topic of money, in general, going forward.

Is there an ideal spot?

Unlike a traditional date, a money date requires an atmosphere conducive for serious discussions. It should be set at a time and a place where you and your partner can be comfortable and enjoy some privacy at the same time.

With that said, the latest cafe, rooftop bar, or restaurant may not be an ideal environment for a meaningful talk surrounding money. Your home can be the right place, and you could even choose to have your discussion over a glass of wine or a cup of tea to set the mood right.

If you have children at home, find a way to get privacy by considering dropping them off at your parents’ house for a few hours.

How do we kickstart the conversation?

Entwistle recommends that we begin with the bigger picture. These questions could guide both of you to find out what matters to you in life and the role of money in it:

  • What are our priorities?
  • Is it taking care of our parents?
  • What’s important to you when it comes to money?
  • Is it that you can provide for the family and put our children through university?
  • Does it have to do with security? Or is it knowing that you have enough to “get by”?

If your priority is to pay off credit card debts, you may want to examine your debts and decide how to approach them systematically. On the other hand, should your partner’s aim be caring for his ageing parents, both of you may wish to set aside an agreed sum of money for this purpose.

Or it could also be that both of you have started thinking about saving up for retirement. If that’s the case, then the conversation could revolve around minimising unnecessary expenses and maximising saving opportunities.

What about financial stresses?
a man covering his face with both hands

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Having a negative net worth or financial struggles can be upsetting. This emotional distress can spill over into your money date. Thus, it is vital to avoid getting into an overly aggressive discussion on your first money date.

As you and your partner gradually move towards subsequent money dates, you know it’s probably a good time to focus on more specific details. This could surface one’s irrational fear about a particular area. From there, start digging deeper and decide if there’s a solution to work towards.

Final thoughts

While it may feel uncomfortable to talk about money with your partner at first, it’s ultimately an essential thing to have. In fact, you might even surprise yourself by how easy it is to get into the flow of things. If you’ve yet to start, we urge you to consider taking that first step. It’s not as scary as you think it to be.

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6 Beautiful Places To Propose In Singapore

If you are popping the question soon, you may be pondering about where it shall take place. May this list help you start planning for the perfect proposal in Singapore. Be honest with your emotions. Your genuine intentions accompanied by the romantic ambiance will make your partner swoon.

HENDERSON WAVES BRIDGE

People say that love takes you to greater heights. What better way to propose to your loved one than by declaring your love in the highest pedestrian bridge in Singapore? It is none other than the Henderson Waves Bridge. True to its name, it mimics the distinct shape of a wave as it curves along its entire 274-meter length.

This spot is suitable for couples who love to take an afternoon hike or an evening stroll. Just picture the city lights at night as you prepare for your memorable proposal. It is a popular place, so do not expect much in terms of privacy.

Address: Henderson Rd, Singapore 159557
Visit nparks.gov.sg to know more.

SINGAPORE FLYER

One of the attractions that make Singapore standout is the Singapore Flyer. Feast your eyes on its iconic skyline and famous sites such as Singapore River and Merlion Park. During your special night, you can book a romantic for two with its premium Sky Dining offering.

The Singapore Flyer Sky Dining experience includes:

a. two rotations (60 minutes) on the Singapore Flyer,
b. an in-flight host,
c. a four-course dinner of your choice (i.e., Western, Oriental, or Vegetarian Menu),
d. priority boarding to skip the queues,
e. and complimentary admission to the Time Capsule.

Image Credits: unsplash.com

You need to shell out a whopping S$300 (*special online price) to experience this. Remember to book at least one working day in advance!

Address: 30 Raffles Ave, Singapore 039803
Visit singaporeflyer.com for more details.

PULAU UBIN

Home to diverse habitats and overflowing ecosystems, the island of Pulau Ubin is the ideal destination for nature enthusiasts. Depart from the hustle and bustle of the city and explore the island by bicycle or kayak through its tranquil river.

Wait for the golden hour to come. Enjoy the island’s rustic charms as you kneel and ask the big question. Surely, it will be a life-changing moment for the both of you!

Address: Pulau Ubin, Singapore 508329
Visit nparks.gov.sg to know more.

SINGAPORE BOTANIC GARDENS

Treat yourself and your loved one with nature’s beauty as you explore the wonders of the Singapore Botanic Gardens. It is the first and only tropical botanic garden on the UNESCO’s World Heritage List. This place has numerous alluring spots on its arsenal. You can ask the most important question of your life in the Swan Lake, Palm Valley, Learning Forest, Symphony Lake, Ethnobotany Garden, or the new Tropical Montane Orchidetum.

Image Credits: unsplash.com

It recently unveiled the Tropical Montane Orchidetum. This Orchidetum spans around 2,480sqm and features the largest collection of high-elevation montane orchids in Asia. Embrace the beauty of your surroundings as you pop the question!

Address: 1 Cluny Rd, Singapore 259569
Visit nparks.gov.sg/sbg for more details.

ST. JOHN’S ISLAND

Nestled in the string of islands on the Southern coast of Singapore is St. John’s Island. What was once a quarantine facility in the late 1800s has since become a destination for locals who want a quick getaway from the cityscape. Take your partner in this place to enjoy a variety of activities.

From dipping on the calm waters of the Swimming Lagoon to keeping your eyes peeled for wildlife sightings, you can find the perfect timing to propose while enjoying a fun-filled day. Do not forget to snap some pictures!

Recommended: Fun Activities To Explore In St. John’s Island

Address: 12 St. John’s Island, Singapore 098600
Visit nparks.gov.sg to learn more.

CHIJMES

With its unique architecture and warm ambiance, CHIJMES is one of the favorite local spots for wedding ceremonies. In fact, its glistened in the big screen through the Crazy Rich Asians film. The place was decorated beautifully to celebrate the wedding of the fictional characters – Araminta and Colin. See for yourself!

Since its inception in the 1840s, the pristine walls of CHIJMES have not aged one bit. You do not have to think twice about considering to propose here. Complete the proposal by making a reservation for a romantic candlelit dinner.

Address: 30 Victoria St, Singapore 187996
Visit chijmes.com.sg to learn more.

 

Note: As a friendly reminder, the places on this list follow safety procedures for the well-being of all its visitors. Please observe these guidelines and ask necessary questions ahead of time. We wish you the best!

Sources: 1 & 2

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How to be a better partner to your significant other

an asian couple rolling out a carpet

Our relationships with our partners can steer us in different mood directions. Unfortunately, the everyday stresses of life can make it hard to maintain and nurture a loving relationship.

Between social and economic pressure, the ongoing pandemic, and an ever-changing world, some couples experience disconnection and begin to grow apart.

So is it possible to be a better partner to your significant other? Well, it all goes down to the littlest of things.

#1: Keep conversations going

One of the essential things you can do to maintain your relationship is talking to your partner. 

This doesn’t just mean sending them a short text at work or asking what movie they want to watch. It means having face-to-face quality conversations.

The simple act of talking to each other shows that you value each other and helps bring understanding into your relationship through proper conversations. 

#2: Practice active listening

Talking to your partner is only half of the equation. To effectively communicate with your partner, you must cultivate the habit of listening to them.

As M. Scott Peck, author of The Road Less Traveled, rightly writes, “You cannot truly listen to anyone and do anything else at the same time.”

In our busy world, many of us are experts at half-listening. More often than not, our minds are focused on something else – the dishes to wash, the dog to feed, or bills to settle. This is not the best way to listen.

Instead, you want to keep up with active listening. Focus on your partner, listen without judgement, do not interrupt, and repeat summarised concepts to verify you are processing it right.

#3: Ask your partner what you can help with
a couple holding hands at the coffee table

Image Credits: unsplash.com

As people with diverse characteristics, we all have different likes and dislikes. One of the best ways to be a better partner is to ask your partner what their needs are.

See if you can help out with something that coincides with their love languages. Maybe your partner needs to spend more quality time together to feel loved, or perhaps they need to hear positive things from you.

“Talk with your partner about more nuanced ways you both feel loved, cared for and seen,” said psychotherapist Brittany Bouffard.

“Maybe more than your partner’s action of washing the dishes, you feel especially relieved if they called the internet company to dispute a bill — or another adulting task you dread. Your partner doesn’t need to stop helping with the dishes, of course, but it’s good to know more specifically what you most appreciate.”

#4: Start acting lest it becomes empty talk

Once you have your partner’s needs sorted, you should start acting! If your partner has told you that they value simply sitting on the couch and holding hands, initiate it the next time you guys come together to chill in the living room.

A loving gesture does not even need to be big to make a difference. Something as simple as making a cup of coffee or tea for your partner in the morning might just make their day without you knowing.

#5: Be consistent with your actions

We all get busy, and it is easy to forget that you would make dinner or put the laundry away.

“Being consistent and doing what you say goes a long way,” shared marriage and family therapist Anabel Basulto. For folks who are always absent-minded, why not use technology to your advantage?

It doesn’t take much time to set a reminder or alarm to send the car for a wash or pick up fresh loaves of bread for tomorrow’s breakfast.

#6: Let go of the small stuff
oil spill at the sink

Image Credits: Flickr

Due to COVID-19, many of us are spending more time than ever before with our partners at home.

It might be easy to fixate on a minor annoyance in these circumstances, which can escalate to disharmony. But is it really worth fighting over that little accidental spill at the sink? Probably not.

Letting go of your significant other’s mistakes will make your life easier too.

#7: Practice self-care

We’ve spent some time talking about our partners’ needs, but the fact remains that we are independent human beings from them, and we have needs too.

To recalibrate, take a weekend afternoon to yourself, or spend time reading a book, or FaceTime a friend. Doing things to take care of yourself will help you be a more fulfilled, less stressed out partner.

“If we don’t fill our own cups, it’s pretty much impossible to be present, patient and giving to our partners,” said psychologist Melissa Robinson-Brown based in New York City. “Take time for yourself and focus on restoration so you can show up in your relationship.”

#8: Take a break from screen time

Screen time can be a routine we’re so used to. It’s easy to sit and scroll mindlessly on our phones without realising time has passed. But it is the very thing that acts as a thief of attention.

It is hard to engage with someone on a meaningful level while engrossed in your mobile phone. So, put away the phone, turn off the television, and do something together without a device distraction.

Playing board games, taking a stroll, or even going bowling can be fun ways to spend quality time together.  

Be generous with thank-yous
an orange thank you card

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If there’s one thing you want to take away before leaving this page, just remember that being a better partner to your significant other can be as simple as being generous with your gratitude.

Even if they are doing something they routinely do, such as clearing trash, taking a moment of your time to tell them you appreciate their act is likely to warm their heart. We could all do with a little more love, can’t we?

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5 points to note if you have a loved one with OCD

OCD behaviour

Living with OCD, or an obsessive-compulsive disorder referred to by medical professionals, is hard on both the person who has the condition and their loved ones.

The uncontrollable patterns of behaviour, the painful loops of repetitive motion, and the systematic thought cycles that derail successful functioning in people’s daily lives can be a real challenge.

If you have a loved one in your life who’s struggling to live with OCD, keep these things in mind as you continue to comfort and support them.

#1: Avoid excessive criticism

OCD tends to make your brain relive specific encounters, whether positive or negative, over and over again.

These thought loops can become oppressive to the point of exhaustion, mainly when one is focusing on negative thoughts and memories. Try to avoid giving critiques and criticisms to people with OCD. This will ensure your harsh words won’t play on repeat in their heads.

#2: Shine no unnecessary light on their routines
a person washing hands

Image Credits: The Jakarta Post

One of the most noticeable components of OCD is specific obsessions or compulsions that a person affected by the condition might need to repeat. For example, checking the switch three times to make sure it’s off or washing their hands every other hour.

These rituals are often unavoidable and can be a source of anxiety for your loved one if they don’t do them. Therefore, try not to draw attention to their actions when it happens. Simply wait patiently until they’re able to move on to the following routine.

#3: Don’t force them to stop a ritual

Speaking of repetitive actions, don’t try to force your loved ones to hit the “stop” button on their repetitious acts. Their disorder is uncontrollable at times, and if you do, it will add to their distress.

Forcing them to move through without completing a ritual or behaviour pattern can make their urge to do it even more severe. This can exacerbate further potential emotional problems, so remember to be patient and let them move through life on their terms.

#4: Be patient when correcting
silhouette of a couple

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When you’re helping someone with OCD do something, whether it’s for the first time or correcting their action, it helps to be incredibly patient.

OCD can require a series of behaviours or loops before a new action makes its mark. So, your loved ones may need to repeat some soothing behaviours before they can heed your correction and accept it.

Be patient and let them work through their feelings until they’re ready to listen to what you have to say.

#5: Show your support without enabling

Being supportive is genuinely one of the best things you can do to assist a loved one suffering from OCD. The condition can be an incredibly isolating experience that convinces the sufferer that they are dealing with it alone and singularly responsible for living with and treating it.

However, know the difference between supporting and enabling. It would be best if you were not answering their recurring questions all the time or buying more hand soap to facilitate their routines.

Consider this phrase or come up with your own, “‘It looks like you’re having an obsession and asking me to participate, but I’m not going to do that because I’m on your side, not OCD’s.”

Final thoughts
grayscale photo of a person's right hand

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A person with OCD may, at times, do something that seems ridiculous to an average person. For example, they may suffer from an intense fear of sin and feel the urge to “confess” to someone even if they’ve just accidentally brought home a paper clip from the office (true story).

As we’ve shared in this article, remember to hold back on your criticisms even when you feel the urge to correct them. Most people with OCD are aware of their condition, so there’s no need to spotlight their routines or, worse still, force them to stop.

They need your support and positive feedback, not your mindless judgements.

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Engagement ring inspirations for your upcoming proposal

Engagement ring inspirations

For a woman looking forward to being engaged, there’s almost nothing better than the excitement that a beautiful engagement ring can bring.

With the symbolic meaning a ring carries, it has to be as perfect as it can be. That’s why the process of choosing an engagement ring must be taken seriously.

As usual, every prospective bride wants to see the three Cs in their engagement ring, namely carat, clarity, and cut. However, it’s crucial that the ring also keep up with the year’s latest trends and stay fashionably classy throughout the years.

Some fashion statements can fall out of style, and an engagement ring must be able to match various accessories and outfits for a stylish and sophisticated look.

That’s why we’re here to share with you some elegant engagement ring inspirations for your upcoming proposal this year.

#1: Black Diamonds
rose gold black diamond ring

Image Credits: alexisrussell.com

Move aside, classic diamond. The black diamonds are now up and coming. This is due to their striking nature and the mysterious and cool, edgy vibes it carries.

The engagement ring can stand out even more if it’s set in a bold yellow or rose gold colour, which offers a step away from the traditional diamond ring approach. 

#2: Halo Rings
hexagonal halo ring

Image Credits: whowhatwear.com

One of the top emerging trends of 2021 is halo rings that have a hexagonal or octagonal shape. 

It creates the perfect balance between preserving the essence of timeliness but also adding that element of uniqueness. No longer are purely traditional rings a must-need if you’re planning to propose this year.

Those searching for a beautiful ring without being too “bridal” can consider this design.

#3: Colourful Stones
Teal sapphire engagement ring

Image Credits: capucinne.com

When you think of proposal rings, you might imagine the classically cut glimmering diamond. 

However, you can slowly replace that idea with the new trend of colourful stones. Specifically, teal-coloured sapphire is a stone growing in popularity, creating an ideal blend of blue and green shades.

Because these stones are on the rarer side and not alike, they make for a ring that’s entirely one of a kind and precious to the bride who wears it. 

#4: Mixed Diamond Cuts
Mixed Diamond Cuts

Image Credits: reebonz.com

Sometimes, trends can work backwards by capturing the looks that give off an antique or vintage feel.

This specific trend involves mixing different diamond cuts, like tapered baguettes combined with rounds, epaulettes, or bullets. It encompasses the well-known art-deco design but adds a modern-day twist to make it an exceptional diamond engagement ring.

Plus, if you’re environmentally conscious, incorporating existing stones into a single ring allows for plenty of upcycling. 

#5: Remodelling
remodelling diamond rings

Image Credits: pinterest.co.uk

Even though an engagement ring by itself is already meaningful, it can be made even more special by incorporating existing stones that carry a sentimental value.

Across the board, more and more jewellers encounter clients who’ve inherited jewellery and want it to be remodelled into a specific shape or form into their engagement ring.

It’s a fabulous way to make an engagement ring even more personal to the modern-day bride holding on to traditions.

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