8 Money-Saving Hacks For Families In Singapore

#1: OPT FOR PRE-LOVED GOODS

Save money while contributing to a sustainable environment by exploring the thrift stores and second-hand markets in the country. From baby clothes to infant accessories, dig deeper to each pile to score some great finds.

#2: REDUCE, REUSE, AND RECYCLE

Reduce your waste by reusing empty containers or recycling products before throwing each one away. Maximize the use of your sandwich bags, plastic containers, disposable utensils, and water bottles.

#3: MAKE YOUR OWN CARDS

With the number of birthdays and holidays in Singapore, your expense for greeting cards will add up. Instead of purchasing a S$5 greeting card from a nearby bookstore, you can have your children create one for you. Children love to use their artistic skills through crafts and illustrations. Let their creativity shine while giving your wallet an extra boost.

#4: SHARE A RIDE

It goes without saying that owning and maintaining a vehicle in Singapore is a costly task. This is where carpooling and GrabShare come in. Save money on ERP tolls, parking fees, and petrol by encouraging a friend to share a ride.

#5: GET RID OF THE CABLE

If you cannot keep up with the television bills then, you may want to enjoy video streaming services instead. Netflix Singapore and Toggle.sg offers a wide array of series and movies. Choose an economic option that will best suit your needs.

Image Credits: pixabay.com

#6: SHOP WISELY

Grocery shopping is tempting for anyone. This is why many people end up buying more than what they intended. Please avoid shopping when you are angry or tired. Furthermore, you must not shop without a list in mind. The list will help you to prioritize your needs over your wants.

#7: WAIT FOR TEN

Shopping for every little item as soon as it runs out is a recipe for disaster! Wait until you need at least 10 items before heading to the store. You may also apply this strategy when shopping online.

#8: CONSIDER FAMILY MEMBERSHIPS

Spending quality time with your family is important. Who does not want to enjoy a pleasant day outside the house? By singing up to family memberships, you can take advantage of various group deals. These memberships are available at National Gallery of Singapore, Jurong Bird Park, Universal Studios, and so much more.

Image Credits: pixabay.com

Sources: 1, 2, 3, & 4

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12 Reasons Why You Aren’t Financially Ready To Get Married

1. Your present goals are mainly self-motivated (e.g., discovering oneself by traveling to several countries in Europe).

2. You are an undergraduate student who does not have an adequate amount of savings. Not to mention, you have to pay your student debts too.

3. You still depend on your parents to cover your monthly bills.

4. You are mortified with the idea of having a someone influence your ability to borrow money. Having a spouse with poor credit score may diminish your chances of getting the best car loan or joint credit card deals.

5. You have pushed the idea of marriage aside to build a career. Furthermore, you believe that attaining success at work will appeal to many potential partners.

6. “No money, no marriage” seems to encapsulate the fact that matrimony requires money, time, and effort. Thanks to the Singaporean wedding industry, couples spend an average cost of S$30,000 on their nuptials.

Image Credits: pixabay.com

7. You cannot afford to face higher insurance premiums. For instance, marrying a partner whose track record with cars is unappealing may negatively influence your car insurance premiums.

8. Your financial resources cannot cover the expenses that come with raising a family. Expectant mothers need to visit the OB/GYNs or gynecologists regularly. As a result, you will have to pay about S$60-75 per visit.

9. Your savings and insurance cannot match the overwhelming hospitalization fees of pregnancy. Can you imagine paying about S$3,000 for a two-day hospitalization in a private room of a private hospital?

10. You and your significant other have differing attitudes and beliefs towards money. Understanding each other’s spending habits and attaining compromise is one thing. But, continuously arguing about money is another.

11. You do not have a clear financial path at the moment. Consider seeking professional help.

Image Credits: pixabay.com

12. You are protecting your properties. Furthermore, you have not figured out how to divide your assets.

Whatever the reason might be, matrimony is a huge decision that you shall make when you are holistically prepared to face the next step. You may not be ready at the moment but, that is alright. No one knows what lies ahead!

Sources:  1, 2, & 3

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Want Healthier Hair? Pay more attention to your scalp

Healthy hair and non-greasy scalp is the goal that many people want to achieve. Nothing beats the charm of a lustrous hair and oil free scalp, with that you can style your hair and look great in any way you want it.

Healthy hair and scalp are difficult to maintain as they tend to get exposed to chemicals and pollution. But with advanced technology at TK Trichokare, fighting an unhealthy scalp has never been this easier.

Trichology – A Scientific Approach to Hair Care

Trichology is the medical term for the study of the health of hair and scalp, and a trichologist is someone who specialises in hair and scalp problems.

Did you know that the word Trichology comes from the Greek word “Trikhos” which means hair?

A trichologist often takes a holistic approach to treating your hair problems by considering your lifestyle, diet and general well-being, and then recommends lifestyle changes you should take to improve your scalp’s condition.

Trichologists treat wide range of common hair problems, such as thinning, breakage, shedding and dry or itchy scalp.

Combing Science with Nature

European herbs are known to be beneficial for your skin and are often used for its medicinal properties. Did you know, they are also beneficial for your scalp and hair growth?

Uniquely formulated with pure bio-extracts, TrichoKare European Herbal Hair Remedy is specially tested and prepared under stringent laboratory standards to fit all hair and scalp conditions. At TrichoKare, hair remedies are extracted carefully from European plant actives right from Nature’s source, so that you can indulge in the gentle care that these herbs bring while being free of harsh chemicals.

Premium herbs are used to strengthen hair follicles, darken your hair and for treatment in hair loss. These include:

Sage

Sage is known to use for treating inflammations, strengthening immune systems and skincare. It is also known as sage moisturise and darken hair that aid in hair loss prevention and dandruff treatment.

Nettle

Nettle is mainly used to help detoxify the body, promotes healthy blood circulation and alleviates allergic reactions. You may have heard that it also helps to nourish hair follicles and encourages healthy hair as it is effective in hair loss treatment.

Aloe Vera

Aloe Vera is commonly present in skincare products but are you aware that they are also used for hair treatments? Aloe Vera is used to improve blood circulation under the scalp and deliver nutrients to the hair follicles.

“Only went for one treatment, I am amazed by the difference in my scalp condition. Say goodbye to itchy scalp, thanks to TK Trichokare for their effective customized hair treatment. I have tried many off the shelf products but none seems to be working for me. But with one treatment at Trichokare, the results are immediately visible.” – Kim, a satisfied customer of Trichokare

Intensive Hair Regeneration Treatment

Intensive Hair Regeneration treatment is a customized programme offered by TrichoKare that is tailored to each individual need, which includes a detox session involving a masque, deep cleansing wash, and TrichoKare’s newest technology – Oxyspray and infrared therapy.

The Intensive Hair Regeneration helps prevent hair loss, stimulate hair growth and promote cellular activity.

Favoured By Many

With over a decade of experience, TrichoKare has established their credibility promoting healthy hair growth, preventing hair fall and hair loss, with public figures such as Xiaxue, Jaynesh and Anand experiencing first-hand their services.

For a Limited Time only –
Try out TrichoKare’s Award Winning Intensive Hair Regeneration Treatment @ $40 NETT + FREE Tricho Tech + FREE FolliGRO Ampoule (total worth $758).

P.S. Did I mention that you can stand to win 2D1N staycation at MBS (worth $680), after your trial treatment?

Visit http://tk-hair.com/mdmay/ to sign up for this exclusive deal now!

 

 

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Take Advantage Of Big Data Plans

With the advent of social media, people are increasingly sharing their personal lives on Facebook and Instagram. Listening to their favourite podcasts or streaming videos to watch on the go have also become common entertainment outlets. As a result, they find themselves consuming more and more mobile data.

In response, telecommunication service providers have developed big data plans that are more suited for the consumption patterns of today. For instance, M1 was the first to re-introduce unlimited data mobile plans 5 years after they were phased out! By jumping onto the bandwagon, savvy mobile users can reap plenty of benefits with big data mobile plans.

No More Fretting Over Additional Data Charges

Do you recall the hassle of having to look for free Wi-Fi hotspots or switching off your mobile data completely when you realise that you are about to exceed your monthly data bundle? With big data mobile plans, you need not monitor your data usage excessively and worry about incurring excess data charges. You simply choose a mobile plan that best suits your data needs. Taking M1 Big Data Plans as an example, if you use data mainly for social media browsing, you can get a 5GB SIM-only plan at just S$20/mth. If that is still not enough for you, good news – there is also an option of Unlimited Data plan at S$98/mth.

It might also be better to pay a slightly higher monthly subscription to enjoy better value in data, as compared to paying excess data charges. For instance, M1 offers 15GB data at S$40/mth. With just an additional S$10/mth, you can enjoy 30GB for S$50/mth. That’s twice the amount of data! This is clearly better value than paying S$10.70/GB for excess charges.

Essentially, heavy mobile data users get more value for their money by utilising big data mobile plans as compared to paying excess data charges!

More Freedom To Do What You Love

Not only do mobile users get more data for their buck, they also no longer have to worry about incurring any excess charges with M1’s all-unlimited mobile plan. At only S$98 per month, subscribers get to enjoy unlimited data, talktime and SMS/MMS. This not only provides certainty with regards to their mobile bills, it also gives them plenty of freedom in fulfilling their mobile entertainment needs; they are free to surf popular social networking sites or stream their favourite music while on the move.

Sharing Of Big Data Plan

It gets even better as a family unit can tap and consume data from a single big data plan. For instance, M1 offers sharing of main plan bundle with up to 2 supplementary plans at just $12 per month each. This means that up to a total of 3 lines can tap from a single mobile plan; leading to great savings across the household. For example, a family of 3 can share a 30GB SIM-only plan at a total subscription of S$74/mth, which works out to 10GB for each to use at just S$24.67/mth. This offers greater value for money as compared to all of them having to subscribe to an individual 5GB plan at S$20/mth each.

For those who have multiple devices, simply subscribe to M1’s Multi-SIM service at only S$10.70 per month (per additional SIM card) to share data from the same mobile plan. This also brings convenience and seamless connectivity without having to switch SIM card, as you tap on 1 mobile plan across a maximum of 3 devices.

Bring Your Big Data Plan Overseas

With the increased availability and affordability of travel options, going overseas is becoming extremely common. Ever wondered how convenient it would be if you could use your local data when you travel? With M1’s offering of its Data Passport services, this is now possible in 62 destinations across Asia, Europe and United States from only S$10 per month! Simply activate Data Passport on M1 Big Data Plans whereby data roaming usage on the preferred overseas network can be deducted from your monthly local data bundle. Most importantly, subscribing to M1 Data Passport means that your existing local mobile data will not go to waste and you can continue to roam like you are home. Besides cost savings, Data Passport also offers the convenience of instant data connection upon touchdown. This beats the hassle of finding and purchasing prepaid SIM cards overseas or searching for Wi-Fi in public areas.

Hurry and switch to M1 Big Data plans to reap the myriad of benefits today!

 

 

 

 

 

 

 

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Inexpensive Ways To Have Thicker, Healthy-looking Hair

While some people find tranquility through immersing themselves in a new cultural experience, others find makeovers extremely therapeutic. I am one of those latter people! I seek refuge in the halls of my favorite beauty salons.

Over a year ago, a stylist pointed out how my constant bleaching can damage my hair. Since then, I have been exhausting my efforts into conserving the volume of my crowning glory. I started with opting for an organic shampoo without sulfates and other harmful chemicals. A good drugstore brand which carries this philosophy is the Avalon Organics. Go to your nearest drugstore to see the available options.

Along with redefining my hair care regimen comes these budget-friendly tips that may help you to achieve a thicker, healthy-looking hair.

THE WONDERFUL AVOCADO

Oh, avocado! Aside from using it as a belly-trimming agent, avocado is believed to be a good hair moisturizer. Making an avocado hair mask is easy. Simply combine one sliced avocado with a tablespoon of olive oil. Then apply the mixture to the hair. Let this sit for approximately 30 minutes. Then, rinse it. You can use this mask as much as twice a week.

PARTING WAYS

Observe yourself through a clear mirror. How long have you been sporting your hairstyle? Several years, I suppose. People tend to firmly hold on to their comfort zones. That should not apply to your hair style!

One of the quickest ways to add volume to your hair is by changing your part. Switch it to the opposite direction to help lift your hair away from your scalp. This will add more body to your seemingly flat hair.

THE LATEST CRAZE

Selected social circles have been experiencing the benefits of essential oils. This latest trend highlights the importance of “going back to nature”. After all, the medicinal uses of aromatic oils originated from the ancient civilizations. Hence, certain oils were believed to aid in hair growth and to prevent hair breakage.

For instance, grapeseed oil contains a significant amount of Vitamin E and fatty acids which promotes thicker hair. Other hair-related oils are rosemary, lavender, and cedarwood essential oils. Personally, I use an organic shampoo infused with rosemary.

Image Credits: pixabay.com

Save money by making your own mixture. Simply combine 5 drops of grapeseed essential oil with 2 tablespoons of carrier oil (i.e., coconut or jojoba oil). With your fingers, apply the mixture to your scalp. Then, massage it for about 5 minutes.

DRYING WAYS

Finding a milder method to dry your thin hair is among the first steps of diminizing frizz.

There is a plethora of image content featuring models wearing a towel on their heads. Without a doubt, it is common for people to use a towel to dry their hair. However, you must refrain from vigorously rubbing it against your fine hair strands. Gently blot your hair with your towel after stepping out of the shower.

Another alternative is using a microfiber towel that will absorb excess water. Decathlon has a range of cheap microfiber towels. Prices start at S$3.90!

THE STIMULATING MASSAGE

Healthy circulation is essential in nourishing the hair follicles where hair growth begins. Stimulate the blood flow into those follicles by massaging it. There are two methods that you can employ. Firstly, you may rub your oil mixture all over the scalp in a circular motion for a few minutes. Secondly, you may use a menthol shampoo and massage it into your entire scalp. Do not forget to include the sides, nape, and crown.

Image Credits: pixabay.com

Remember that your scalp is your hair’s foundation. Keep the foundation strong to let your hair grow in healthy manner.

Sources:1,2,3, & 4

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