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Worst Things To Purchase At Dollar Stores

Dollar stores or variety stores house a myriad of inexpensive goods. Examples of dollar stores include Daiso, Japan Home, and Value Dollar. Seeing S$1 on the price tag does not make it an instant bargain! Sometimes, these products are actually cheaper elsewhere.

Consider these 4 Worst Things To Purchase At Dollar Stores:

BATTERIES

My sister asked for the Fujifilm Instax Mini 8 for her birthday. To her surprise, her wish was granted. This instant camera required two AA batteries. She was delighted that it came with a free (and seemingly cheap) set of batteries. She stored the device in her cabinet after using it for several months. The next day, she saw the battery leaked and seeped into the device. It is important to note that used batteries are more prone to leakage than new ones. Furthermore, this is dangerous for the skin.

Image Credits: pixabay.com

As tempting as a dollar for a pack of AA batteries sounds like, its longevity is mediocre compared to the branded alkaline batteries. It may even leak and damage your devices. Let my sister’s story serve as an example.

WET WIPES

Savvy marketing strategies apply to dollar stores too! Notice the vast counters at Daiso’s queuing area. These are filled with items that you can conveniently pick up. For instance, it sells 10 pieces of wipes for S$2. For a single pack, that is not cheap at all!

Weigh your options as you can get 3 packs of Kleenex wipes for only S$2.85. This promo is valid until July 31, 2017.

TOOLS

Similar to the reasons why you must not buy batteries at dollar stores, you must not purchase your tools there. The quality of said tools are seemingly low. You would have to buy the same thing again and again.

Imagine hitting your hands by mistake because your hammer broke after a few strikes! Safety is a good reason why you must purchase your tools at the nearby hardware. Some hardwares offer life guarantee for their items. Moreover, you can wait for the Father’s Day deals around June.

MARKERS AND OTHER STATIONARY

Students with tight pockets frequent Daiso or Value Dollar for stationary items such as pens and markers. They often re-purchase due to its poor quality. You shall not expect the markers to have sufficient ink or stay on the surfaces as advertised.

Image Credits: pixabay.com

Take time to shop around or to ask about the bookstore’s membership fees.

Sources: 1, 2, & 3

Here’s How You Can Save Money When Visiting Thailand

As an adolescent, my passion for travelling the world ignited. One of the places that I looked forward to marking off my list was Thailand. I was captivated by its historically untouched character. Why did I say so? In the 19th until the early 20th century, Thailand was the only Southeast Asian country to avoid the European colonization. It was treated as a neutral territory by the French and the British people.

A tourist’s heart will be filled with glee as he or she explores its tropical beaches, ancient ruins, majestic palaces, and religious temples. Make the most out of your experience with these several tips.

VISIT DURING OFF-PEAK SEASON

No matter what season you are booked for, you will always find something interesting in the “Land of Smiles”. It is best to book your stay during the low season to save more money. Remember that people usually flock between October to March, especially in the renowned areas. Accommodation, motorbike rentals, and air fares are more expensive during these months.

It is easier to chance upon a bargain during the off-peak season between April to September. Furthermore, food is cheaper during said period.

EAT LIKE THE LOCALS

As obvious as this may sound, dining places geared toward the tourists are heftier. Singaporeans without food concerns may acquire the eating habits of the locals. We are no strangers to the goodness of Thai food. Oh! Imagine munching on genuine Pad Thai and Tom Yum. Thailand’s markets and roadside stalls are filled with these and more.

Roadside stalls are everywhere! They are incredibly diverse and cheap. One store may sell a dish for around THB 60 (SGD 2.44) while the other may sell the same for THB 25 (SGD 1). Weigh your options.

STAY VIGILANT

Before riding the Tuk-tuks (three-wheeled vehicles) or purchasing jewelry, develop the practice of researching online. Research the real prices of the items that you wish to spend for. Also, you may ask your Thai friends to help you to bargain with the store owners and communicate with the drivers. Ensure to agree upon a price for any service before doing anything or going anywhere. Lastly, protect your valuables at all times.

Do not make yourself an easy target! Read about the common scams that are circulating in the city.

MAKE THE MOST OF THE FREEBIES

It comes as no surprise that the rich culture of Thailand paved for free entertainment. Street performances are prevalent, especially around the holidays. You may indulge on exercise facilities at the local parks too. Not to mention, you must embrace its natural surroundings.

I shall illustrate the abundance of freebies by putting a spotlight at Bangkok. Here are just some of the free entertainment that you can maximize during your stay there:

a. Visit Soi Wat Thong Sala Ngarm, Phasi Charoen

Witness a traditional performance of Thai puppetry as you head down to the Artist’s House (daily except on Wednesdays). Enjoy the performance of a team who controls the delicate puppets.

b. Explore Wat Chakrawatrachawat Woramahawihan

Get personal with crocodiles at the bustling streets of Chinatown. Spot the three giant crocodiles in the grounds of Wat Chakrawatrachawat Woramahawihan!

NEGOTIATE OVER THE PRICES

Thailand welcomes the art of bargaining with open arms. For instance, some places allow negotiation of the room prices during the off-peak season. From Tuk-tuks to tattoos, almost everything is up for a negotiation. Those with visible prices on the products (e.g., sodas found in the convenience store) are fixed.

You must be reasonable when haggling for a better deal. It is not worth to bargain over a few cents! The vendor probably needs the money more than you.

Image Credits: pixabay.com

May these tips help you stretch your dollar while having an unforgettable trip! 🙂

Sources: 1, 2, 3, 4 & 5

Financial Checklist For Expectant Parents

The late Janet Reno once said: “I have learned that raising children is the single most difficult thing in the world to do. It takes hard work, love, luck, and a lot of energy. It is the most rewarding experience that you can ever have.”

Creating and nurturing a baby in Singapore is no walk in the park! Encountering sleepless nights, medical scares, and embarrassing moments are unavoidable. One is never completely prepared for what is about to come. However, you can start planning for your future by considering this financial checklist.

#1: DRAFT YOUR PRENATAL BUDGET

You are about to bring life into this exciting and challenging world. Tackle each day with ease by knowing how much you will be spending in the next couple of months. There are many lifestyle adjustments that come with having a baby. Include the food expenses, medical costs, insurance contributions, and so on.

Be honest with yourself when shopping for baby items. Do you really need a trendy stroller with an LCD control panel? Set a tangible line between what is necessary and what is forgivable. For instance, you can save on the disposable diapers by converting to the cloth diapers. Or, you may revamp an old drawer into a changing table. Use your creativity when maximizing your dollars and spend within your bounds.

#2: DETERMINE THE AMOUNT OF YOUR RESERVE

Becoming a preschool teacher made me realize that significant things can happen when you leave a toddler for several seconds. I am not exaggerating. One student may be chewing on the toys while you are trying to get groom the other. I can still recall when I was curious about the air conditioner and ended up with several cuts on my fingers. Being prepared for your baby’s potential accidents is a must!

I recommend that you take a look at your financial reservoir (or emergency fund). Having at least six months’ worth of living expenses covered is a good start point.

#3: UNDERSTAND THE HEALTH INSURANCE’S SCOPE

It is no secret that having a baby in Singapore is expensive, even if you have health insurance. Navigate your attention into the prenatal care, labor, and newborn costs. You need to understand which expenses your insurance will pay for you. There are diverse maternity insurance packages available on the market now! One is the OCBC MaxMaternity Care. It is the first maternity insurance plan that covers its clients as early as 13 weeks into their pregnancy. They will cover your costs for specific types of pregnancy complications.

Aside from understanding the scope of your policy, you must include your baby in your primary health insurance. You can typically change your records within 30 to 60 days after delivery. Do it as soon as possible as you do not want to be caught with an ill newborn and no coverage!

#4: IDENTIFY YOUR CHILDCARE ARRANGEMENTS

We are lucky to be blessed with childcare options ranging from a conservative preschool to an eclectic day care centre. If both you and your spouse are working full-time, recognize that a large number of your monthly costs will go to childcare (i.e., sometimes even more than your rent). This is why you must weigh your options and alternatives. By alternatives, I am pertaining to the relatives that can aid you along the way.

It is an acceptable idea for Asian families to ask for help from their parents. The grandparents-to-be may be available for two days a week. This could help you lessen the financial load. If you wish to hire a nanny, be sure to check the government fees and regulations surrounding it.

Image Credits: pixabay.com

The cost of having a baby does not stop when he or she goes to school! So, consider formulating a long-term financial plan beyond the first few years.

Sources:1,2,3 &4

How Married Couples Can Deal With Huge Salary Gaps

Whether you want to admit it or not, income plays an integral part in the society’s perception of your worth and success. Fusing the the topic of finances to relationships makes things more complicated.

To some degree, your paycheck determines your role in a romantic relationship. An imbalance is created when your spouse earns more than you or the other way around. It is believed that the person who has a higher salary has increased options and financial freedom. Nonetheless, you must address the huge salary gap between you and your partner.

Here are just some tips to help you deal with your current situation:

COMMUNICATION IS THE KEY

Practicing open communication is one of the best ways to resolve issues in marriage (or any romantic relationship). If you are frustrated with your spouse because he or she is not making an effort to find a new job then, talk about it. If you feel guilty for spending more money than your spouse then, talk about it.

Start your financial discussion in a loving manner without accusing the other of anything. You are a family. You should not treat this like a heated battle or a boiling competition. The end goal is to help each other out.

ESTABLISH A BUDGET

Imagine taking a long ride in an unfamiliar place. Your journey can take you into different directions. To create a distinct path, you must follow a map. The same idea applies to your finances. To create a distinct path to your financial goal, you must set a budget.

Establishing a budget lets you allocate a specific amount to each member of the family. Also, you will be able to determine each other’s spending habits. Beginners in budgeting are recommended to use the envelope system.

RESPECT ONE’S ABILITY TO EARN

Before I went to bed, I came across a online discussion at Reddit. The thread surrounded the issue of having any significant achievement gaps between couples. Interestingly, these couples live in harmony.Reddit user pecrh001‘s story caught my attention.

“I have 2 degrees and work as a lawyer. My husband never finished uni but has a job that he loves. He’s a great father and husband. It doesn’t really matter that I earn more than him because it’s all just family money. We’re both working hard and supporting each other and our kids.”

Finding someone who respects you as a person and your ability to earn is more important than the degree that you are holding. Being successful on paper does not translate to your character. Each other’s money is valuable. Forget keeping score!

GIVE AND TAKE

Another important practice that the Reddit thread highlighted is the balance between the two individuals. You must have the chance to give and take. Reddit user The_Superbus illustrated this by posting:

“I worked two jobs while she was in medical school and one job while she was in residency. Now I work no jobs while she is an attending. She likes the fact that I do most of the work around the house so she doesn’t have to. I like the fact that I haven’t had to go to work for the last few years. It also lets us raise our own kid without relying on daycare for 9 hours a day, which is nice.”

EMPLOY A REWARD SYSTEM

After months and months of hard work, you may feel exhausted and overwhelmed. Break the cycle by motivating with reasonable rewards. For instance, you may go to a fancy dinner when your money exceed your budget or when you achieve a financial goal.

Image Credits: pixabay.com

Rewarding each other is a way to remind yourselves that the money you make belongs to the both of you.

Sources: 1 & 2

Here’s How You Can Save Money When Visiting Japan

Amazingly dense cities, mountainous national parks, and historically-rich shrines are some of the things that encapsulates Japan. It is one of the sought-after spots that globetrotter Singaporeans target when they have time to spare. Tourists are drawn by the array of food and the unique culture, but it has so much more to offer!

With the relaxed visa policies (i.e., Singapore citizens don’t require a visa to enter the country for temporary visits) and increased flights between Singapore and East Asian countries, here are some tips to keep in mind when discovering to Japan.

1. CONSIDER THE ALTERNATIVE OPTIONS

One of the most impressive things about Japan is its value for cleanliness. Even the relatively cheap hostels are well-maintained and are equipped with high-tech toilets. So, do not be afraid to be adventurous when it comes to trying alternative options such as the famous capsule hotels with a starting rate of about S$35 per night. Some dormitory beds at guesthouses are advertised as low as S$19 per night.

As a friendly reminder, please read the online reviews before booking.

2. TRAVEL DURING OFF-PEAK SEASON

No matter what season you are booked for, you will always find something interesting in the “Land of the Rising Sun”. It is best to book during off-peak season to save more money.

Image Credits: pixabay.com

People typically flock between March to May because they want to see the witness the beauty of the Sakura (or Cherry Blossoms). During this peak season, one can expect higher rates for accommodations and air fares. Avoid the Christmastime and the Obon season (around mid-August) too!

3. TAKE ADVANTAGE OF THE EFFICIENT PUBLIC TRANSPORTATION

As I was peacefully scrolling through my Instagram stories, I saw a picture that my longtime friend posted. She just boarded the Shinkansen or Japan’s high-speed bullet train. Fueled by my curiosity, I made her share about her transportation experiences. She told me about the expensive cab ride that she took from Shimbashi to Funabashi (i.e., a distance of 24km). It costed 10,000 JPY or 121 SGD. That is ridiculous!

Cabs in Japan are generally expensive. This is partly due to their efficient and punctual public transportation system. Opt for taking the train or bus. Or better yet, you may explore the wonderful place by foot.

4. MAXIMIZE YOUR DINING BUDGET

There are two ways to save on Japanese food: you can either splurge during lunchtime or shop at the supermarket before closing time. Let us start with the latter. If you have access to the kitchen, you can cook on your own. Head to the supermarket at least 30 minutes before closing time to find amazing deals. The same idea applies for food courts and convenience stores.

Superb quality of food can be savored in almost every area in Japan. It is best to splurge during lunchtime as many restaurants give lunch discounts, especially on the weekdays.

Image Credits: pixabay.com

May these tips help you stretch your dollar while having an unforgettable trip! 🙂

Sources: 1, 2, 3 & 4

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