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Money-Saving Parenting Hacks That Work

MAKING YOUR OWN SWIVEL ROCKER

Looking for a great way to save on your nursery swivel rocker? Instead of looking at the baby aisle, try looking for the office aisle. Consider purchasing a pre-owned armchair online and adding your own rocking base to it. You will not only save a lot of cash but you can also have an unforgettable DIY experience with your spouse.

Simply follow the instructions – here.

ORDERING GROCERIES VIRTUALLY

Image Credits: pixabay.com

One marketing strategy that groceries employ is targeting the children’s interest because they play an influence on what goes inside the carts. Supermarkets purposely place cereals, toys, and sugary treats at a kid-friendly level. If you cannot leave the kiddos alone, opt for shopping online.

A revolutionary feature of most “big name” grocery chains in Singapore is that they offer access to online grocery shopping. This can help you to save money by religiously sticking to your list (or budget), by avoiding the transportation costs, and by preventing the impulsive buying power of your children.

For everyday shopping, I recommend fairprice.com.sg as they have regular deals and discounts. As for affordable organic produce, you can visit bestorganicfood.sg.

STOCKING UP FOR KIDDIE PARTIES

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Children’s toys, clothes, and other fun items go on sale from June to August due to the Great Singapore Sale. Take advantage of this annual event by stocking up on a variety of inexpensive gifts that you can give on kiddie parties or even Christmas. Set a limit for every individual to avoid going beyond your budget.

KEEPING A PIGGY BANK

Image Credits: pixabay.com

Be the good example to your children by putting some of your loose change into a money jar. Since most young children want to be like their parents, seeing you do it will provide them with encouragement to save.

After serving as an example for a month, provide your child with his or her very own piggy bank. Have your child draw the picture of the specific toy on the side of the piggy bank. Through this, they will be motivated to save in order to get what he or she wants.

USING FREE RESOURCES

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Your nearby public library can serve as your savior during those school-free days. Not only can you borrow children’s books but you can also rent CDs/DVDs for the whole family – at no cost. Aside from these, the public libraries also offer a wide array of free events that your family can join. Visit nlb.gov.sg to stay updated with the National Library Board’s events calendar.

BREASTFEEDING YOUR BABY

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One of the empowering things that only women can do is to breastfeed their baby. As much as you can, opt for breastfeeding because it will not only be healthy but also be able to save you as low as S$1,500 per year.

If you want to save even more on breast pump, borrow from your family or friends but make sure to change the plastic attachments. You can buy those for far less than a brand new pump.

Sources: 1 & 2

3 Amazing Museums In Singapore That Offer Free Admissions

When I was an adolescent, I perceived museums as fancy institutions which superior intellects frequented. The only time I get to visit one is when the school requires us to go on educational trips. However, times have changed. Technological advances paved way for museum to share their unique pictures on social media. The public interest for art has risen. Let us be honest, you probably saw those hippie youths taking their #OOTD snaps at the famous local museums.

Aside from the picturesque interiors, museums are places in which cultural, scientific, and artistic treasures are displayed. Each one has its own characteristics and values. Personally I find these local museums to be worth my time:

1. ASIAN CIVILISATIONS MUSEUM

Website: acm.org.sg

Asian Civilisations Museum (ACM) is my favorite local museum. Nestled at the mouth of the Singapore River, ACM will take you on a journey of historical discovery as they preserve the heritage of Asia. ACM’s 14,000 square meters space are filled with 11 thematic galleries that boasts with about 1,300 artifacts from China, South Asia, Southeast Asia, and West Asia. During my visit there, I was amazed the abundance and diversity of the Buddha statues as well as the 12 zodiac animal heads donated by Jackie Chan.

Image Credits: instagram.com/agoncilloanna

To shake things up, they accompany the permanent exhibits with special exhibits that are changing throughout the year. In fact, the current exhibit now is called “Once Upon a Time in Asia: The Missing Mouse”. It is a free exhibit that is recommended for children and the young at heart.

Rates:

Citizens & Permanent Residents: FREE
Visitors aged 6 and below: FREE
Foreign students, seniors, and PWDs: S$4
Others: S$8

2. SINGAPORE ART MUSEUM

Website: singaporeartmuseum.sg

Probably the most popular museum among the youths is the Singapore Art Museum (SAM). SAM houses a great collection of contemporary Southeast Asian art ranging from sculptures and paintings to installation art and moving media. They regularly collaborate with the leading international museums to cover both the local and international art practices.

Image Credits: instagram.com/agoncilloanna

Exhibitions change every few months. At the time of my first visit, I got to enjoy an interesting exhibition called Medium At Large. Now, they are showing the 5 Stars (Art Reflects on Peace, Justice, Equality, Democracy and Progress) exhibit. In this exhibit, I was particularly amazed with their larger than life art installation called the “Bloodline of Peace”.

Rates:

Citizens & Permanent Residents: FREE
Visitors under 6 years old: FREE
Foreign students, seniors, and PWDs: S$5
Others: S$10

*Everyone gets to enter for free every Friday from 6pm – 9pm.

3. NATIONAL MUSEUM OF SINGAPORE

Website: nationalmuseum.sg/

What do you expect from Singapore’s oldest museum? Nothing but prime history and culture of course. If you are interested in Singapore’s rich history, this museum shall be on the top of your list. Established in 1887, the National Museum of Singapore fuses the elegant neo-classical building with the new additions of glass and metal.

While visiting National Museum of Singapore I greatly enjoyed the “Singapura: 700 years” Exhibition. It consisted of six nostalgic sections from the Archaeology in Singapore to the Independent Singapore. Currently, they are displaying the “Celebrating Radio: Sounds” until July 17, 2016.

Image Credits: instagram.com/agoncilloanna

After indulging on art and history, satisfy your tummy with their selection of cafes and restaurants. Or, visit their retail space to pick up a cultural souvenir.

Rates:

Citizens & Permanent Residents: FREE
Visitors aged 6 and below: FREE
Foreign students,seniors, and PWDs: S$5
Others: S$10

Sources: 1 & 2

Why Money Is A Major Factor In Dating

For a blossoming romance, a lover’s worth cannot be measured by his or her bank account, neighborhood, and car. The lack of these “financial signifiers” may serve as warning signs along the way but not as the destination itself.

However, the weight pressed on money when dating hardens as the relationship grows. Couples begin to examine whether they can trust each other’s financial decisions as well as whether they can make sacrifices for the common good. Nobody wants to end up with someone who has no motivation (slacker) and discipline (deadbeat)!

Particularly, money is a major factor in dating when…

1. BEING BROKE AFFECTS YOUR DATING HABITS

There is nothing wrong with spending a date at home with a bunch of DVDs and home-made meals every once in a while. But if low-cost dates are the only types of dates you can afford due to your outstanding debt and insufficient income then you may be in trouble.

According to Toni Coleman, a Psychotherapist and relationship coach, regularly suggesting to do cheap activities can be a serious red flag for your date. If you are essentially broke and your debt affects your romantic life, consider spending more time satisfying your credit score first instead of “pleasing” a potential partner.

2. THERE ARE DIFFERENCES IN YOUR MONEY BELIEFS

You see, all of us hold a set of beliefs about money (e.g., how it should be spend or how it should be earned). Whether we learned it from childhood or thru our experiences, we will carry these beliefs for a lifetime. If your lover sees no point in spending lavishly on dates and gifts when courting you and you desire that, then you can get into an argument. You cannot throw all your goals and values in the rubbish just because your current partner has different beliefs.

You have to do what is best for you and your finances.

3. YOU COMPLAIN ABOUT YOUR FINANCIAL ISSUES

It is never attractive to talk about how expensive things are and how these negatively impact your life. Your date does not want to hear you complain about what you can and cannot afford because it makes the person feel that he or she is an added financial burden.

If you have been a couple for over two years then it is okay to share your financial issues as relationships are built on trust and respect. But if you have not been dating for that long, think about the wrong message you are sending thru your constant money complaints.

4. YOU HAVE SUBSTANTIAL DEBT

Having a substantial debt with a bad credit score is a deal breaker for lots of people! FreeCreditScore.com polled 1,000 adults in 2013 and found that about 30% of women and 20% of men said that they would not marry a person with a low credit score. In contrast, a good credit score proved to strengthen the union of two people.

Image Credits: www.pixabay.com

Although money is not a major factor in the first stages of dating, few years down the road you will realize how important it is in a relationship. After all, money or the lack of it, is usually the predictor for most divorces.

Sources: 1, 2, 3, & 4

Welcome To The Wide World Of Freelancing

Aaahh FREELANCING! What started as a theoretical idea became a reality with the launch of “e-lancer” websites such as Guru.com (1998) and Elance.com (1999). Back then, clients from around the world posted jobs that are bound to be completed after a day, a month or a year. The virtually connected e-lancers join together into temporary networks to sell goods and services. Once the network dissolves its e-lance members become independent contractors again.

Apart from its name, freelancing has evolved throughout the years. Freelancers today have the option to work on a full-time or a part-time basis as they are essentially self-employed. With the big players such as UpWork and Freelancer, the world of freelancing is more competitive than ever. A testament to that are the other websites that offer relatively “cheap” labor to a wide variety of global clients. Here are just some of them:

1. CODEABLE

Codeable is unique in every sense as it focuses on the outsourcing services for WordPress. This niche site started back in 2012 and has since grown due to its dedication to hire excellent WordPress developers. These developers are then connected to the clients that are in need of on-demand website support.

2. PROJECT4HIRE

Project4Hire aims to meet the outsourcing needs of small business owners, individual webmasters, and large companies due to its variety of professionals. With hundreds of project categories, it makes it easy to determine jobs that suit your skill sets.

3. TOPTAL

Toptal’s approach to outsourcing is different as only the top 3% of applicants are allowed to be on the site. Toptal is sure to reward your prowess with meaningful projects and fair compensations from renowned clients such as Airbnb and J.P. Morgan.

4. 99 DESIGNS

Originally from Australia, 99 Designs became one of the world’s largest online graphic design marketplaces. They have been connecting designers to customers who are in need of quality yet affordable designs. If you have always been good and passionate at Photoshop or any graphic design tools then 99 Designs is perfect for your skills. Simply enter t-shirt, logo, website, and print design contests to win and earn money.

Image Credits: www.pixabay.com

As you explore freelancing as a viable career option, do not forget the important factors such as time, effort, and cost!

Sources: 1, 2, 3, & 4

Stay Away From Business Jargon If You Want To Be Believable

Business writing and speeches are notorious for its adoration for complicated terminologies.These terminologies belong to a specialized language called business jargon. It is used by the members of companies, corporations, and bureaucracies.

Little do you know that some people consider this specialized language as a serious office pet peeve.

WHY BUSINESS JARGON MASKS REALITY

A collection of business jargon that no longer holds any relation to what is actually being said can be misleading. To perfectly illustrate this, here is a portion of the speech that Ford Australia CEO Robert Graziano gave last 2013:

“To better position the company to compete in a highly fragmented and competitive market, Ford will cease local manufacturing in October 2016. All entitlements are protected for the 1,200 employees whose jobs are affected, and the company will work through the next three years to provide support.”

Did you get that? He said that 1,200 employees were fired from their jobs.

As you can see, business jargon has a way to mask the reality. Jennifer Chatman, management professor at the University of California, even adds that people use it as a substitute for talking clearly about the directions and goals they want to give others. In some cases, it is better when business people adapted a simpler means of communicating.

WHY SIMPLER IS BETTER

Just when you thought that using business jargon (e.g., synergy, drilling down or core competency) can make you sound knowledgeable and believable, science comes in and proves you wrong!

The 2010 study of New York University and a Swiss university showed that using simpler language makes you seem more trustworthy. 2 out of 4 experiments found that statements of the same content were judged as more likely to be true if they were written in concrete language than when they were written in abstract language. For instance, consider these two sentences:

“In Hamburg, one can count the highest number of bridges in Europe.

Hamburg is the European record holder concerning the number of bridges.”

These sentences mean the same thing but when you ask people to rate their “truthfulness”, more people will rate the first one better. This is because it is way simpler. This study coupled with Psychological principles suggest that our minds process simpler statements much faster and we automatically associate fast processing with the truth. Furthermore, when something is easier to visualize and recall, it seems more plausible.

So if you want to come across as honest and direct, stick with the language that is easier to understand and visualize. Use concrete verbs such as lead and award and avoid ambiguous words such as spearhead and incentivize!

Image Credits: www.pixabay.com

Sources: 1, 2, and 3

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