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5 Efficient Ways To Save Money Using The Internet

The Internet can be your best financial ally!

1. TAKE ADVANTAGE OF THE SHARING ECONOMY

Sharing Economy is a type of economic model which allows individuals to borrow or rent assets owned by someone else. For individuals and society at large, it presents a variety of opportunities to invent new ways to earn and to solve social issues. All of these opportunities are made possible with the help of modern technology.

If you tired of the mediocre and costly hotel services that do not meet your expectations, consider finding a well-reviewed space from home sharing websites. Cut accommodation costs as well as energy and water consumption by availing the services of Airbnb, HomeExchange, and Couchsurfing.

Image Credits: pixabay.com

Friendly Tip: For your safety, please conduct a careful examination of the place and its owners before renting it.

2. SAVE SOME CASH BY COUPONING

Previously viewed as a hobby exclusive to “aunties and uncles”, couponing is seen in fresh light due to the popularity of online couponing services such as groupon.sg and cuponation.com.sg. My love affair with these websites began when I was a frugal university student. Groupon Singapore helped me to get the cheapest deals on educational workshops in lined my course while, Cuponation helped me to expand my school wardrobe without breaking the bank.

Image Credits: pixabay.com

3. DOWNLOAD FREE SONGS

People who are deeply passionate about the music industry frequently download songs to support the artists, labels, and distributors. Fortunately for these people, the Internet hosts several premium websites that allow people to legally stream and download songs. The sites that I am referring to are mp3.com, Amazon.com, PureVolume.com, and Jamendo.com.

Image Credits: pixabay.com

The wide array of genres and music collections available online will help you find a song that chimes in with your taste. Go check them out!

4. USE FREE AND OPEN-SOURCE SOFTWARE

Stop paying hundreds or thousands of dollars on programs that can be obtained for free with the same level of performance, quality, and reliability. Use free and open-source software such as the packages enumerated on these posts:

a. List of free and open-source software packages,
b. 30 Essential Pieces Of Free (and Open) Software for Windows, and
c. 5 Awesome Free and Open Source Reporting Software Packages.

Image Credits: pixabay.com

5. DOWNLOAD MONEY MANAGEMENT APPS

Eliminate unnecessary expenses and improve your spending habits with the aid of free money management apps such as Mint, MoneyWise, and Pocket Expense Personal Finance. Mint allows its users to track their spending, develop a monthly budget, receive bill reminders, and take control of their financial life. It is available for download on iOS and Android devices.

MoneyWise combines minimalist design with powerful functionality. It may seem minimal but it can do a lot! It allows you to generate charts or graphs, track budgets or spending, and create regular account backups. It is available for download on Android devices.

Image Credits: pixabay.com

Lastly, Pocket Expense Personal Finance fuses all your financial accounts together so it can track all your bills and set your budgets. It is exclusively for iOS users.

Possible Career Shifts To Conquer 3 Dying Industries In Singapore

Whether you are willing to admit that you are in a dying industry or not, it is a difficult disposition that several of us have to face at one point in our lives. If there are substantial evidences that your industry is doomed, perhaps it is time to weigh your options.

1. FROM PRINT MEDIA TO DIGITAL MEDIA

As my university professor have predicted, one of the industries that was negatively impacted by modern technology was print media. I am talking about the tangible reading materials such as magazines and newspapers. A good illustration of this seemingly dying industry is the closure of the Cosmopolitan Singapore last year. According to their 2014 Nielsen Media Index report, the racy magazine’s readership stood at 22,000. These low numbers did not win the hearts of many advertisers! Hence, everything went downhill from there.

More and more readers have turned into digital media with the rapid growth of larger smartphones (with wider screens) and efficient tablets. In 2012, a global study by Ericsson estimated that approximately 1 in 3 Singaporeans owns a tablet. These flat and handy devices provide a more convenient way to download and read digital publications.

If you want to part ways with the print media, consider turning to the “IT” crowd by joining the club of people who switched to the digital scene. Jobs such as freelance writer, social media manager, and graphic designer are up for grabs!

Image Credits: pixabay.com

2. FROM TRAVEL AGENCY TO TRAVEL BLOGGING

Be honest. When was the last time you booked a trip through a travel agent? I do not remember either!

Whenever I am book for my vacation, I do everything in the comfort of my own home. I start by looking extensively for the best airfare deals available. Then, I read several TripAdvisor or blog reviews about my intended destination. This is followed by a series of searching for quality accommodations at Airbnb, Agoda, and Expedia.

Why shall I hire the services of a middleman when I can go directly to the source and save more effort, time, and money?

These thoughts echoes the mindset of many Singaporean travelers. The exit of big travel agencies such as Five Stars Tours is just another sign on where this industry is heading.

With your wealth of knowledge and experience as a travel agent, you can consider to become a travel journalist or a travel blogger. Highly qualified individuals can enjoy a good salary and a free pass to various places in the world. Are you on-board?

3. FROM DEPARTMENT STORES TO FUNERAL SHOPS

Say you were a part of the salespeople who lost their jobs due to the closure of Isetan Wisma branch or Metro Sengkang branch. Consider diving away from selling vibrant products such as perfumes and swimming towards selling “lifeless” products such as coffins. You read that right!

Ironically, the death industry is one of the hottest industries right now. More graduates are now applying for the funeral sector as the younger generations are more dismissive of superstitions. Worry not about being called an undertaker because has been re-branded to “funeral director.” Sounds more sophisticated, right?

Image Credits: pixabay.com

Note: The aforementioned dying industries are based on the predictions made by a recruitment professional, Adrian Tan of Singapore Business Review.

Sensible Ways To Save Money When Traveling With A Group

A few months from now, I will be traveling to Bangkok with my beloved friends. I am oozing with excitement as I have never been to this place before nor have I traveled with this group of people. Much like most Singaporeans, I long to explore their indisputable shopping scene! This is why I must employ some strategies to save as much money as I can while traveling.

For this type of trip, you can save money as a group by:

1. CONDUCTING PRIOR RESEARCH

Choosing an affordable destination that is suited to your travel budget is the first step. In our case, we chose Bangkok. If you have a considerable amount of money then, you can go to Europe rather than limiting yourself to Southeast Asian countries.

Image Credits: pixabay.com

After choosing a destination, research on the possible accommodations, activities, transportation modes, and so on. One of the largest discounts come from availing the group rates for all the said expenses. If you are going to a museum, do not be afraid to ask about the group rate. Same rules apply for booking a flight or a hotel.

2. COOKING YOUR OWN FOOD

There is a greater chance that the breakfast from the hotel is expensive. It is better to walk out the door and find a nice local cafe in the mornings. Take some squad #foodporn photos while you are at it! Remember that locally made food and beverage are often cheaper.

Image Credits: pixabay.com

Alternatively, you and your friends can cook on several days. Cooking in a new environment can be entertaining especially when you are around with the people you adore!

3. CARPOOLING TOGETHER

Renting a car when traveling alone cannot fully maximize the capacity of your vehicle and your budget. On the flip-side, you can save more money when traveling with others by splitting the car rental costs and by filling all the seats.
4. COMMUNICATING WITH THE LOCALS

Along with your friends, consider talking to the locals to know more about the best places that you can visit. Be honest about whether you are aiming for a lavish or a budget-friendly spot. Some may even offer to let you lodge at their homes.

Image Credits: pixabay.com

5. CLAIM THE REWARDS

A credit card is utilized at the point of sale as means of paying for services or goods. Credit cards come in different looks and sizes, much like assorted chocolates. What’s more? They vary in the rewards they entail. The card that you shall focus on now is the one that offers you travel miles.

Image Credits: pixabay.com

Gather up as many miles as you can get by offering to pay for your friends and later reimbursing it with cash. This may help you enjoy a free trip on your next vacation. To put your “power” into good use, utilize your rewards wisely.

Sources: 1 & 2

Newbie’s Basic Guide To Smart Shopping

1. BATTLE BETWEEN NEEDS AND WANTS

If you want to be a smart shopper, it is important to stick to what you need to buy and what your budget permits. Knowing the difference between a perceived deal and an actual deal is also a must. For instance, you find a studio that offers 80% off their Pilates classes, but you have no passion for it, then you are still wasting money if you purchase the deal.

2. CHOOSE THE RIGHT CREDIT CARD

Committing to smart shopping entails a credit card that has the best rewards. By that I mean, you must find the best card that aligns with your purchasing habits. For instance, if you intend to save more on flying then get a frequent flyer miles card. To each your own cards match.

3. GET OFF THE ELECTRONIC MAILING LISTS

Most of the stores especially those that are online makes you give out your email details. This can break your savvy shopping strategy. Being a newbie, you may not be able to resist the urge to shop once you learned about the deals available, so it is recommended to unsubscribe from the mailing list right away. This simple change will eventually break the bad habits.

4. STICKING WITH THE MONEY YOU HAVE

If you cannot trust yourself with the responsibility of holding a credit card, then stick with cash and debit card. It is best to spend the money you already have rather than to swim in a pile of debt. You may allocate a portion of your budget per month to a category called “shopping money” so you will be sure that you always have money to spare.

5. FREE SHIPPING IS NEVER FREE

Free shipping is usually offered in more expensive items and by comparing prices you will find out that an item at a lower price is much cheaper with shipping included!

Image Credits: Yoel Ben-Avraham via Flickr

So, when a website offers a free shipping minimum, it is smart to shop what you need and observe if your virtual shopping cart has reached the minimum. This not only gives you a chance to see the prices go up and down to fit your desired budget but it also gives you a chance to save even more money.

6. LOOK OUT FOR DISCOUNT COUPONS AND DEALS

Online shoppers need to know this. Why pay full price for your cart when you can save even more with discount coupons? There are many aggregators out there that offer coupons and deals for online shopping. These sites help benefits customers by giving them varied discount coupons and choices in their shopping experience, by leveraging our relationship with merchants.

For example, shoppers can easily save up to 70% with a promo code for Zalora that can be found on Paylesser.com.

Great Singapore Sale Facts That Every Singaporean Should Know

Great Singapore Sale (GSS) is a shopping extravaganza that happens annually in Singapore.

Citizens as well as guests from all over the world can indulge on the extended period of this year’s GSS, which started last June 3. It is set to run for ten weeks instead of the usual eight. Its official partner card is UnionPay International.

Image Credits: facebook.com/OfficialGreatSingaporeSale

1. PRIMARY PURPOSE OF GSS

The Great Singapore Sale is an event spearheaded by Singapore Retailers Association (SRA) along with the local stores and malls. Its primary purpose is to boost the tourism industry in the Lion City. In fact, the longer sale period was predetermined to better accommodate the tourists hailing from Asia-Pacific countries such as China. SRA’s executive director Anthony Gan stressed that the GSS 2016 coincides with the school holidays in June-August and the peak travel season in July.

This extension may very well increase the influx of tourists but it can also desensitize the locals.

2. ACCREDITED PARTICIPANTS OF GSS

There are no “official” participants of GSS as retailers are not required to submit to SRA guidelines or register with SRA to engage in the event. All the retailers who offer discounts or promotions during the GSS period are considered as the partipicants.

Moreover, merchants are not mandated to use the GSS logo. The decision to do so is left to the business owners because they must think about their own marketing strategies.

3. AUTHORITY GOVERNING THE PROMOTIONS

Aside from the freedom put on the incorporation of the GSS logo, retailers are free to determine their discounts and promotions. The minimum and maximum amounts of discounts, deals, and promotions are left to the hands of the retailers. SRA has little to no say in this.

4. DURATION OF THE RETAILER’S PROMOTIONS

In lined with Fact #2-3, perhaps you have an idea about the designated duration for the store’s sale. It is not compulsory to hold the sale for the entire GSS period. In fact, there were some stores that started their “GSS sale” even before June 3. These stores include Metro and Robinsons.

5. BLOGGER’S INFLUENCE

In 2013, the financial giant MasterCard Singapore launched the Princess Singapore Campaign that featured famous Singapore bloggers. The campaign was a success as MasterCard holders used their cards for a total of over US$1.5 billion (S$2 billion) during the GSS 2013.

6. RISE IN THE TOTAL RETAIL SALES

GSS contributes to the rise in total retail sales in the country throughout the years. According to the Ministry of Trade and Industry’s Department of Statistics, the total retail sales for June and July 2015 was about S$7 billion. It is a 6.1% boost over that of 2014’s.

Image Credits: pixabay.com

Since the flow of GSS is heavily bestowed upon the retailers, the possibilities are endless. Be sure to check out this grand shopping event! 🙂

Sources: 1, 2, & 3

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