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Do You Have A Financially Toxic Friend?

Whether you notice it or not, the people whom you interact the most with are likely to shape your financial decisions. Some outcomes are less positive than others. The truth is, you may not be able to change the personalities of the people around. The only thing you can change is your exposure to these people.

Filter out toxic financial relationships by distinguishing these people from the rest:

The Dollar-Pincher

There is a huge difference between prioritizing your spending and conserving because you do not want to spend your wealth! “Dollar-Pinchers” see money as a tool that they must conserve at all cost. They aim to spend a little money as possible (i.e., synonymous to a cheapskate or a miser).

Let us be realistic. Many of us have encountered a friend who seemingly dissolves when the bill arrives. To save you from an embarrassing moment with the waiter and to keep your Dollar-Pincher quiet, you opt for paying his or her share. Doing so entails that you will spend more than your allotted budget.

The Investigator

As the name suggests, the “Investigator” digs deeper into your life to reap information that you would normally share with your trusted financial planner. He or she desires to know how much you made, saved, and spend. You need to be especially careful if the Investigator is a co-worker. You see, this type of friend is least likely to be concerned with your well being. Anything you say may be used against you.

When it comes to painting my future, I am not afraid to test the waters. I have had several occupations and there was one thing that I noticed. My Investigator friend would constantly pry into my professional life. He would ask me how much my current job offer was and how much my monthly salary is. He goes even further by asking if what was offered was higher than my previous job. Needless to say, we are no longer friends.

Image Credits: pixabay.com

The Show-Off

If you are a frequenter of various social media platforms, you probably came across a friend who has a seemingly successful life. The “Show-Off” brags about his or her financial capacity by sharing his or her local and international endeavors. It is especially hard when you are roughly the same age as your friend and you find yourself making comparisons between each other’s progress.

Regularly bombarding yourself with friends who display or tell you how great they are doing with their finances can trigger unhealthy emotional responses. You may start doubting your monetary choices or start feeling depressed with your career. Please realize that you do not need to keep up with the Show-Off! Simply focus on what you are doing right with your finances.

The Wheedler

Be careful! You do not want to be misguided by the “Wheedler”. This type of friend uses flattering words and thoughts to entice you to spend beyond the bounds of your financial capability.

To put things into perspective, let us say that you are shopping with your chum Atiqah. You wanted to buy an expensive dress that you do not really need. Instead of politely suggesting to skip on the dress, Atiqah encourages you to purchase it immediately. She continues to shower you with exaggerated pleasantry until you give in. If you cannot change the Wheedler’s ways, you must only bring the amount of cash that you are willing to spend with him or her.

Image Credits: pixabay.com

It is time to turn the tables around. Search within yourself and examine whether you have been financially toxic to others. Are you willing to change for the better?

Sources: 1 & 2

5 Habits That Reek “Unprofessionalism” In The Workplace

Being successful in your field takes constant sacrifices and conscious effort. With all the things that you have invested, do not let these unprofessional habits drag you down.

THE LONE WOLF

Many Singaporeans tend to mind their own business. There is nothing wrong about that as we just value our own privacy. However, it can be harmful if you translate the “lone wolf habit” in a collaborative workplace. The lone wolf habit occurs when you prefer to accomplish tasks on your own rather than doing it swiftly as a team.

Say you are a part of the marketing department. You must communicate with the client as well as you teammates in order to minimize errors and to achieve satisfaction. You will not achieve the client’s vision if you called the shots for everything. Not only does this habit influence your professional reputation, but it may also lower your risk of getting a promotion.

THE INEFFICIENT MULTITASKER

There is a practical reason why the broadened Road Traffic Act includes the utilization of the hand-phone while driving. Under it, motorists caught using any mobile devices while the vehicle is moving will be violating the law. Accident prevention is the practical reason. You see, the act of juggling two or more things can deteriorate your concentration. It is best if you exhaust all your senses into one task at a time. The same idea can be applied in the workplace.

Browsing with your laptop, messaging your friends, or checking your social media during a meeting sends the wrong signal to your boss. It conveys that you are not interested with the important matter at hand. Pay attention instead.

THE MIGHTY BULLY

In 2015, a local article featured a story about a man who suffered from a mental breakdown due to the constant bullying in the workplace. Mr. Kenny Leong was previously shunned by his boss and co-workers due to his physical characteristics (e.g., being soft-spoken and having gentle gestures). In most places that he worked at, he was labelled with terms such as “Chao Ah Gua (slang for effeminate)” or “Woman”. Can you see how the constant exposure to bullying affected him?

Well…Mr. Leong is not alone! Surprisingly, statistics have shown that 1 in 4 Singaporeans have suffered from workplace bullying with the top aggressors being their bosses (62%) and their clients (21%). Unprofessional habits such as name-calling and spreading rumors can cause deterioration in work performance as well as mental distress.

THE INCREDIBLE HULK

Remaining calm during stressful situations is one of the abilities that you need to master in life. However, it is easier said than done. Not everybody was wired to have the patience of a preschool teacher!

Consumed by stress, you can display unpleasant behaviors ranging from spewing an audible sigh to purposefully hitting a co-worker. These said behaviors may develop a pattern in the long run. Imagine turning into the “Incredible Hulk” whenever you are faced with heated moments. There can only be one end result for your temper outburst – getting fired.

THE DRAMATIC ACTOR

Tear-jerking stories of alcoholism, extramarital affair, or bankruptcy are fascinating twists in movies and television series. But, these problems have no place in the office! Your boss does not need to know about your outstanding student loans. Your co-workers do not have to listen to you while you argue with your spouse on the phone.

Regularly bringing your personal issues in the workplace implies that you have a problem with establishing boundaries. Save the heart pounding drama for your trusted confidants and close family members. Only discuss these matters outside of work.

Image Credits: pixabay.com

What other unprofessional habits are common in the Singaporean workplace, or any workplace for that matter? Feel free to share your thoughts in the section below.

Sources:1, 2, & 3

How To Negotiate A Higher Pay As A Freelancer

Establishing and negotiating rates with your potential clients seems like one of the most complex or intimidating parts of freelancing. But, it does not have to be!

WEAR YOUR DETECTIVE LENSES

The first step is to do your homework.

Detectives and investigators compile evidences through careful observations and interviewing witnesses. Play the role of a “detective” by collecting as many salary information as you can. Research about the average rates for freelancers by joining online forums (e.g. Singapore Babysitter Connect) or by joining local groups (e.g. The Singapore Writers’ Group). One of the best ways to get useful information is by chatting up with hired freelancers in your area.

UPDATE YOUR PROFESSIONAL PROFILE

After researching the realistic going rates for the position that you are applying for, you must display a pleasant track record. It goes without saying that higher pay will be rewarded upon showing amazing performance at work. For instance, you shall make it a habit to collate positive reviews or references from different individuals whom you worked with. Glowing reviews from 10 parents in the local neighborhood are good additions to your tutor’s negotiating arsenal.

If you want to list the contact numbers of several references in your CV, you must ask for their permission. Boost your image by having your satisfied customers talk for you!

ASK FOR IT UPFRONT

There are many individuals who fail to initiate a pay raise during an interview and after employment. However, it is challenging to negotiate a raise if you do not ask for it. Weigh in on how much you should get paid before signing on a project with a new client.

Present a concrete figure based on your careful research and past experiences. If you act as though you are prepared to walk away from a deal unless you achieve your desired goal, your bargaining partner will be far more eager to satisfy your requirements. Most clients will agree to your desired rate or simply meet you halfway.

OFFER THE INTRODUCTORY RATE

Your potential client was impressed with your body of work, but he is hesitant to commit to your proposed higher rate at the onset. Do not give up just yet! You may offer an introductory rate for a limited amount of time.

Let us say that you clean flats every weekend. You can render your services at the friendly rate of S$17/hour during the first two weeks. If the client is happy with your performance and would like to utilize your services afterwards, he or she has to pay you S$24/hour for the succeeding weeks. Think of a rate and a time-frame, which works for your circumstance.

Image Credits: pixabay.com

Negotiating a salary is a conversation that aims to reach an agreement with someone whose interests are not perfectly aligned with yours. Use these four strategies to help you achieve your financial goal!

Clever Tips To Keep In Mind When Buying A New Phone

Seeing a working landline set is always nostalgic for me. Do you remember when you are limited to making calls in your living room? Well, those days are long gone. These type of sets still exist, but the majority had switched to the portable smartphones.

When choosing the best device on the block, keep these factors in mind:

UNDERSTAND WHAT YOU CAN REALISTICALLY AFFORD

Whether you are committing to a new phone on a postpaid plan or on its own, you should do your research first. Widen your knowledge to acquire the best possible specifications that money can buy. Take note of the processor, camera quality, and the batter life. You do not want to flush away your hard-earned money on devices that blow up while charging. The wise selection process will give your investment a significant amount of future-proofing.

Say you want to sign on high-end smartphones such as iPhone 7 or Samsung Galaxy S7 Edge. Wait for the discounts offered during holidays or the Great Singapore Sale. These type of smartphones hold their resale value over time. Thus, they are easy to sell if you want to upgrade.

FOCUS ON THE BATTERY LIFE

The longetivity of your potential phone depends on many factors such as its screen size and its operating system. Any phone that can withstand nine hours of straight 4G LTE browsing has a decent batter life. Other determinants of the battery life includes the batter capacity. Look for a phone with at least 3,000 mAh.

Compare the endurance of the phone that you have been eyeing for by reading various tech reviews.

IDENTIFY THE NECESSARY FEATURES

A worthy investment includes features that are both necessary and desirable. As obvious as this may sound, high-end models includes almost everything that a user can ask for. However, you shall consider mid-priced models if your sole purpose is to do simple tasks such as calling and browsing. There are countless mid-priced models that have the premium features for the fraction of the fancy model’s price.

Remember that you must not pay for something that is beyond what you need.

IGNORE THE OVERWHELMING MEGAPIXELS

Our socially connected world embraces the relay of images on popular social media platforms. This is why many users believe that the second most important feature after the battery life is the camera megapixels. Talk about taking the perfect selfie!

But, tech experts beg to differ. Some believe that you must ignore the megapixels in favor of special features such as the dual lenses and lower aperture. Keep these things in mind when you are shopping.

Image Credits: pixabay.com

BONUS: AFTER-PURCHASE CARE

To prolong the life of your beloved phone or to prevent any costly damages, you must buy a case and a glass protector. I, for one, coat my iPhone with the famed tampered glass. Doing so will boost the phone’s resale value when you are ready for an upgrade.

Sources: 1, 2, & 3

Japanese Beauty Products That Are Worth Every Dollar

The global interest given to Japanese companies such as Shu Uemera and Shiseido paved way for the entrance of lesser-known Japanese brands. More and more Singaporeans are embracing these imported products into their vanity kits. You see, Japanese beauty products shine above the rest due to its adorable packaging and unique design.

The idea is perfectly encapsulated by Ms. Anna-Marie Solowij – the BeautyMART Co-Founder. She once said: “Their cosmetics and skincare products are exciting because they’re novel and exotic and they’re popular thanks to their high quality and innovation, for the same reason as their cars and electronics before them.”

On that note, here are 5 Japanese Beauty Products That Are Worth Every Dollar:

1. DHC DEEP CLEANSING OIL

Get it at Watsons Singapore for a discounted price of S$30.70.

A beauty product that is ever-present in the “best” lists, DHC Deep Cleansing Oil has a water-soluble formula to completely rinse any pore-clogging materials from your skin. Let say you came home from a formal wedding ceremony. Massage the product to your face using your fingertips to remove your waterproof mascara and wipe off other clingy cosmetics. You will never see a greasy residue again!

The formula is suitable for people with sensitive skin as it was made from natural ingredients and is free from Paraben or fragrance.

2. BIORÉ CLEANSING WATER MAKEUP REMOVAL

Get it at Watsons Singapore for S$18.90.

Bioré Skincare made a bold claim when they highlighted that the Cleansing Water Makeup Removal can lift off a significant amount of makeup with just one swipe! I am not entirely sure that one swipe is enough as it depends on your skin type. However, this remover will easily cleanse your face from your pores to your lashes. This is because it is enriched with natural mineral water from the Northern Japanese Alps.

The formula’s weak acidity proves that it is gentle and safe on the skin. Thus, it is suitable for young people.

3. MUJI COSMETIC PAPER

Get it at Muji Singapore branches for S$1.90.

When I was in secondary school, oil blotting papers were all the rage! It originates from Japan and has been use for years by Geisha and actors (to freshen their faces before their performances). The traditional version was made from Abaca leaf, but modern technology is able to make it from pulp or rice paper. Muji’s version is made from the former.

Image Credits: muji.com.sg

The thinness of Muji’s Cosmetic Paper makes it more efficient at absorbing oil. Furthermore, the product and its packaging is environmentally friendly. Feel free to put it on the composting bin!

4. SUMI HAIGOU SETTUKEN CHARCOAL BAR SOAP

Get it at Qoo10 Singapore for about S$23.79.

Putting black charcoal on your face may seem “unglam”, using this ingredient properly can provide many health benefits. Some of its benefits include minimizing the pores, soothing skin irritations, and cleansing oily skin. A top soap infused with activated charcoal is the Sumi Haigou Settuken Charcoal Bar Soap.

This bar soap has powder, which comes from the Kishu region of Japan. The makers begin by burning and cooling oak branches for several days. The end result is an activated charcoal powder that users claim to make their skin brighter and more even-toned. See for yourself!

5. TSUBAKI DAMAGE CARE CONDITIONER

Get it at Watsons Singapore for a discounted price of S$14.37.

Shiseido Company Limited houses a myriad of skin care, hair care, cosmetics, and fragrance brands under its roof. As one of the oldest cosmetic companies in the world, Shiseido introduced Tsubaki as its master for hair. The Tsubaki Damage Care Conditioner relies on age-old ingredients such as the Japanese camellia oil.

It is high in oleic acid to moisturize and strengthen your hair strands. It is also full of antioxidants to beat free-radical damage. Regularly using this products will help you achieve a softer and shinier “crown”.

Image Credits: facebook.com/TsubakiSG

Sources: 1 & 2

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