Clever Tips To Save Money On Your Mobile Bills

If one of your resolutions in 2018 is to reduce your expenses, a good place to start would be your monthly mobile bill. Do not underestimate the few dollars saved each month as they can add up to a significant amount at the end of the year.

Here are some clever tips to save money on your mobile bills!

Monitor Your Usage

The first step to reducing your mobile bill is to monitor your mobile usage. How much data, talktime and messaging do you use each month? Track your usage easily with your telco’s mobile app. For instance, M1 customers can download and use My M1 App to track their local or roaming data, talktime and message usage anytime, anywhere. If you are always exceeding your data, perhaps you can consider data add-ons, or switch to a mobile plan with bigger data bundles to reap plenty of savings in the long run.

If constant monitoring is too much of a hassle for you, opt-in for SMS notifications to be alerted when you are about to exceed your data bundle. M1, for example, sends you SMSes when you have reached 75%, 90% and 100% of your monthly data bundle.

Consider SIM-Only Plans

If you do not require a new phone, it’s time to consider SIM-only plans. These plans, as compared to conventional smartphone plans, come with lower subscription and bigger data bundles. M1’s SIM-only entry plan only costs S$20 per month for 5GB data, as compared to an equivalent smartphone plan at S$40 per month. By going with a SIM-only plan, you get to save S$240 over a year!

If you are hungry for more data, go for M1’s Unlimited SIM-only plan, which comes with unlimited data, talktime and messaging at only S$98 per month.

Save As A Family

Telco operators allow customers to maximize their mobile plan usage by sharing data, talktime and messaging bundles with their loved ones. For example, subscribers of M1’s mySIM plans can add up to 2 supplementary plans at S$12/month each to co-share the main plan’s bundles. Such supplementary plans will suit family members with various data consumption behaviour.  For instance, the millennial in the family may be a heavy user of social media and is therefore likely to use more data. Meanwhile, the stay-at-home mum may only require little amounts of data to stay connected via instant messaging platforms. By co-sharing the main plan’s bundle, this helps to consume pockets of data that would otherwise be left unutilized by the end of the month.

As such, if you have multiple devices in the family, this option of adding supplementary plans may work well for you too. When you share the big data bundles on mySIM plans between the devices, you’ll be able to gain access to all the entertainment you need!

Get Cash Rebate On Your Mobile Bills

Finally, the last step to saving on mobile bills is to get cash rebates on them! By using cashback credit cards to pay for your mobile bills, you can earn cashback or reward points that help to reduce your mobile bill. For instance, the Citi M1 Credit Card provides up to 10% Citi rebate if you set up recurring M1 bills via GIRO. Furthermore, charging your purchases at M1 stores earn 1% Citi Rebate.

Follow these handy tips to start saving money on your mobile bills in 2018!

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4 Must-Have Items For A University Freshman

Going to university is a monumental step in a young adult’s life. The transition from your earlier years to university is not something to take likely as a student of life. Building a freshman’s arsenal goes beyond stocking up on pens, markers, and notebooks. You need to be prepared for the challenges ahead!

I understand the financial constraints of a student but, that does not mean that you cannot have nice and sturdy things. Buying less items of quality is better than purchasing more school supplies for less. May this list help you with your journey as a freshman.

#1: A HEAVY-DUTY LAPTOP

As I was contemplating on the essential products necessary to make a freshman’s life easier, the “laptops” instantly popped into my head. A laptop acts as a weapon to combat sleepless nights spent on take-home tasks, group projects, and research papers. Laptop has been a vital part in our generation’s education that many scholarships or grants include allowance for gadgets.

As modern technology advances each year, you may want to consider investing on a hybrid. A hybrid device combines the portability of a tablet and the functionality of a laptop. Popular hybrid models include the Microsoft Surface Pro and the Lenovo Yoga.

Image Credits: pixabay.com

The specifications of the laptop that you must buy depends on your undergraduate major. If you are majoring in computer science or graphics design, strong RAM and GPU are parts of your criteria. As a Psychology student and a freelance writer, my MacBook Pro stood the test of time. Many of my previous classmates relied heavily on this product too. I would not trade it for any hybrids just yet!

#2: A PRESENTATION OUTFIT

In the span of your undergraduate studies, you will be subjected to several presentations such as the thesis proposal. Aim to look your best to provide a positive mark! I can still recall the day when I presented my final thesis to a panel of lecturers. My classmate told me that my “beautiful dress” saved me. He may be joking but, I dressed well for the part. I chose a black cocktail dress, which I felt comfortable and confident in.

Investing on some wardrobe staples such as quality heels or leather shoes and black blazers can give you an advantage. You may also opt for flats to avoid horrible blisters after your career fair. Invest in clothing articles that you are willing to wear or stand in for a long period of time.

#3: A SET OF COMFORTABLE SHOES

Walking, without a doubt, is the best way to go around any campus. With countless hours spent roaming in the halls of your university, it is vital to equip yourself with comfortable shoes. Accomplish a considerable amount of steps in your cheap sandals (without any sole support) is not going to help you! You need to switch to sneakers or flats with thicker soles.

Keep the elements of versatility and comfort in mind when purchasing your school shoes. A family relative of mine swears by the Skechers’ slip on. While, I personally prefer the classic Birkenstock as my school and work shoes. For a trendy student, a white Superga 2750 may pass your taste.

#4: A DURABLE BACKPACK

What is the one item that students often overlook yet overuse? The backpack, of course! The backpack serves a significant role in a student’s life. It is arguably the most versatile part of the university student’s arsenal as it houses important items such as laptops and books. It can transform from an everyday wear to a getaway wear. For its functionality, you must not settle for a flimsy and cheap one.

Image Credits: pixabay.com

I cannot stress how some university students live completely out of their backpacks. Thus, you must stay on the safe side by purchasing trusted brands such as the JanSport or by purchasing bags built for hiking. Bags like these are spacious and have various pockets to carry all of your essentials at once.

 

Article Resources: 1  & 2

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3 Must-Have Items For Your Baby’s First Year

Becoming a parent boils a mixture of emotions – mainly overwhelming and exciting. While you are in a store, do not let these emotions consume you. You do not want to be pressured into buying more than what you needed! You need to plan what you are willing to splurge and save on.

Here are some ideas to get you started with your unconditional journey.

#1: AN ALL-NATURAL BABY WASH

Let us face it! Adults wish that the state of their skin can rewind back when they are infants. This is why Korean skincare products are booming nowadays! You see, babies have innately soft and delicate skin. Their skin’s protective barrier has not yet reached its full development. Thus, it is recommended to purchase products with natural ingredients.

Image Credits: pixabay.com

Many mothers believe in the natural ingredients found in Mustela. Mustela’s products does not include harsh chemicals such as parabens. Do consider Mustela‘s Gentle Cleansing Gel for your baby’s body and hair. It may be more expensive than the drugstore brand but, its benefits outweigh the costs.

#2: A STURDY STROLLER

I, for one, acknowledge the importance of a stroller during the baby’s crucial years. Every stroller has a different personality that will best suit a specific lifestyle. For people who are always on the go, it is best to find a lightweight stroller. A lightweight stroller can be easily folded up when hopping on a train. For people who love the outdoors, you may consider getting a jogging stroller with lots of compartments.

Image Credits: pixabay.com

No matter what you settle for, a quality and hefty stroller will be useful for your future babies. You may pass it on to your relatives too!

#3: A NEW BREAST PUMP

If you are breastfeeding, you must not feel guilty with splurging on a new breast pump. I cannot deny that some breast pumps are pricey! Renting or borrowing one is more economical but, buying a new one is practical if you are planning to use it for a long time. You aim to be as comfortable as possible to exhaust a volume of your “liquid gold”.

Image Credits: pixabay.com

Expressing a sustainable amount of milk entails that you can spend more time out. You can meet your friends and share your supply to other mothers in need.

Sources: 1 & 2

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You Must Adapt These Habits Of Wealthy People

#1: IMBIBE A MOTIVATIONAL MANTRA

In the hustle and bustle of the city, it is easy to absorb the load of the tasks at hand. Getting distracted with other elements lets you lose the connection between what you are doing and what you are feeling. Many people combat this by practicing Mindfulness. Mindfulness is the practice of purposeful directing your attention to the present and accepting everything without any judgment.

Image Credits: pixabay.com

Motivate yourself during the practice by following a mantra. Firstly, you must search within to uncover what inspires you. Secondly, you must create a positive statement that you will repeat (to yourself) every morning. Lastly, you must breathe deeply and relax.

#2: THE EARLY BIRD CATCHES THE EARLY WORM

Admit it! You may be experiencing an endless cycle of clicking the coveted snooze button. Trying to escape the alarm clock may lead to waking up late. Imagine rushing to work because you only have 20 minutes left! This habitual procrastination is costing you. Not only are you at risk of coming late, but you are diminishing your sense of control. Furthermore, you tend to forget things when you are rushing.

According to Tom Corley, the author of “Change Your Habits, Change Your Life”, nearly 50% of his wealthy participants get up at least 3 hours before their work starts. Having extra time to prepare allows them to set a right frame of mind.

#3: MAXIMIZE YOUR BRAIN’S BANDWIDTH

The luxury of having multiple options can lead to exhausting your brain’s bandwidth. If you used up your energy on a series of small decisions then, it would be harder for you to process big decisions.

As an avid follower of the Silicon Valley, you probably noticed that Facebook’s Mark Zuckerberg is mostly into grey shirts. His primary reason for his limited closet is to minimize his decisions each morning. Similarly, Apple’s Steve Jobs wore his renowned black turtleneck top and jeans. Influential people focus most of their energy toward productive elements.

Another upside of keeping your wardrobe simple is its ability to help you save money. You do not have to wear the same shirt or same outfit everyday! Just avoid hefty designer clothing by purchasing basic clothes from thrift shops or year-round sales.

#4: BENEFITS OF A BOOKWORM

It has been long accepted that reading books can bring excellent benefits. Said benefits include widening your vocabulary and exercising your imagination. Incorporating literature into your bedtime routine is healthier than scrolling thru the sea of social media.

Before you pick the latest romantic or crime novel, I have a tip for you! Mr. Corley suggested that 85% of his wealthy participants prefer books that focus on self-improvement. They read at least 30 minutes per day. Achieve more by reading about helpful skills, rather than reading solely for entertainment.

#5: TURN YOUR FANTASY INTO REALITY

Research showed that spending at least two minutes for goal-oriented visualization and positive thinking can improve your mood and focus throughout the day.

I am a firm believer of meditation and its ability to shift your thoughts. Spare some time for this and your “quiet reflection”. During this reflection, you must map out your week and contemplate on your future goals. Do not limit yourself to financial goals! Take notes, if necessary. Follow these notes to ensure that you will be more efficient.

#6: SET SMART FINANCIAL GOALS

Wealthy people develop a habit of financial goal setting on their own or through professional help. Apply the same ideal by writing down your financial goals with a witness (e.g., spouse or a close friend) and contemplate the monetary milestone you would like to accomplish in the next 2 to 5 years.

Image Credits: pixabay.com

Do not forget to track down your monthly progress!

Sources: 1 &2

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Budget-Friendly Tips On Maintaining Sustainable Fashion

As I was exploring the possibilities of becoming a Minimalist, I came across a YouTuber who declared her love for sustainable fashion. She was aiming to build a limited closet which included timeless pieces. She stressed on the importance of to re-wearing such items for the next 3 years or so.

Sustainable Fashion, also termed as Eco Fashion, is a part of the growing design philosophy that creates a system supporting social responsibility and environmental impact. When it comes to clothing, you can make sustainable choices too! Start with these tips:

#1: DITCH FAST FASHION BRANDS

Wouldn’t you jump for joy upon scoring an eleven-dollar blouse at Zara? I certainly did. There was an underlying reason behind its cheap price tag. Many fast fashion brands outsource their labor overseas. Furthermore, they use cheaper materials that can easily fall apart after multiple washes. Opt for fabrics that are made from eco-friendly materials such as silk, soy, hemp, organic cotton, and bamboo.

Image Credits: pixabay.com

Singapore’s abundant line-up of fast fashion brands include Zara, Topshop, H&M, Pull & Bear, Bershka, Forever 21, and Uniqlo. These brands persuade you to purchase a volume of trendy pieces due to its year-long sales. Try to invest on quality over quantity instead.

#2: CREATE A SHARED CLOSET

A surefire way to diminish the need to purchase a new clothing article is by borrowing one. Siblings, cousins, and friends often embrace the idea of sharing clothes with each other. You may even swap your clothes or give out your unworn items.

You can take advantage of a shared closet during rare occassions such as a themed wedding. You do not want to end up with a landfill of bridesmaid dresses like the protagonist from the movie 27 Dresses!

#3: SUPPORT LOCAL BUSINESSES

Significant change starts with your sustainable choices. Make it a habit to support local products. Not only are you helping our economy but, you are also helping reduce the carbon footprints created by vehicles. Use the same philosophy when you travel. Purchase from the local weavers, jewelry artists, and shoemakers.

Image Credits: facebook.com/pg/zhaiecocollection

Eco-friendly Singaporean brands include Zhai and Etrican. Zhai is Singapore’s first boutique that carries clothing made from bamboo fiber. Nestled in the hippie streets of Haji Lane, it is the ideal choice for sustainable fashionistas. The later, Etrican, claims to be the pioneer in eco-friendly clothing in Singapore. See for yourself!

Sources: 1 &2

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