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How to make the best out of your last $300?

Experts estimate that more than 90% of the diseases are stress related. And rapid aging is probably another negative by-product of sustained elevated stress levels. While eradicating anxiety and stress altogether in fast-paced Singapore may be unrealistic, indulging in therapeutic treatments and one’s favourite hobbies can certainly help to manage stress.

Continuing from the article “How to maximise your life with a $3,000 paycheck”, this article is the last in a five-part series and it will zoom in to the ways of deriving the ultimate satisfaction and gratification from life with the last 10% or $300 of a $3,000 salary.

Image credit: taxisingapore.com

1. A short getaway to Johor Bahru

While it is a well-known fact that JB is a shopping and food haven, many may still feel that it is not worth a hassle to beat the checkpoints and commit to the distant travel. However, depending on one’s schedule and opportunity cost, the huge cost savings are hardly resistible. Indeed, food, accommodation, wares and massage services are priced at a steep discount to those in Singapore, especially when the favorable exchange rate persists. Therefore, it may be more sensible and economical to shop in the foreign land to maximize your spending power.

Image credit: outlet.com.sg

2. Go online shopping

Being economically vibrant and prosperous is honorable, but it is not without its costs. Prohibitively high rental and labour costs in Singapore have created much hardship for local businesses, and consequently, the consumers who have to bear the inflated price tags. However, it pays to be technologically savvy. The major growth spurt of online retailers has simply thrived on a low-cost but high-quality principle. Furthermore, online businesses are easily accessible, which enables effortless comparisons. And it is precisely this unmitigated flow of information that heightens competition and further drives down our bills. So, time to hitch on to this modern trend if you haven’t!

Image credit: appleandradish.com.au

3. Learn a fun skill

Learning is limitless. By continually expanding your knowledge and skills, you gain others’ respect while becoming an increasingly invaluable asset to their lives (and of course, you are the greatest beneficiary of your own abilities). It does not have to always be intellectual. It could be an indispensable skill that most people overlook. Thankfully, this gap is plugged by LessonsGoWhere, an online marketplace that brings exciting and enriching lessons covering a diverse blend of 9 categories from baking to photography to an aspiring community. Who knows if one day, the new skill may even change your entire course of life and carve out a rewarding career niche?

What do you need a $300 emergency fund for?

Unexpected events happen from time to time. Some could be delightful while others may be distressing. However, leaving things to luck may not always yield an optimal outcome. Indeed, it is prudent to set up an emergency fund to hedge against uncertainties. Since it is a form of protection, the earlier you recognise the need for this fund, the greater control you will have over your destiny.

Continuing from the article “How to maximise your life with a $3,000 paycheck”, this article is the fourth in a five-part series and it will be looking at the uses of the 10% or $300 emergency fund in coping with many of the life’s surprises – be it pleasant or unpleasant.

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1. Health Insurance

One of the most debilitating episodes in life is to be afflicted with a chronic or acute disease such as kidney failure or cancer. While the majority of people do not experience such traumatic events, it is nevertheless difficult – if not impossible – to predict if you are the ill-fated one. This is when health insurance is one of the best bets (in the legion of insurance products) before the tragedy strikes. For fresh graduates who are in their twenties, the premiums are pretty affordable and the payouts are formulated attractively. For example, PRUshield extra offers an all-round protection where the insured gets to enjoy coverage from the very first dollar.

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2. Medical Consultation

As a typical health insurance policy often does not insure against minor ailments such as the common flu, cough or fever, it is thus essential to save up an adequate amount for ad hoc medical expenses. Having said that, it is a heartening news that many employers provide subsidized medical care to their employees. Still, it is a virtuous practice to be readily available to render financial assistance to the medical needs of one’s family members.

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3. Repair Cost

Occasionally, humans may not be in good shape. But so do our ubiquitous electronic devices, ranging from smartphones to laptops. While most consumer electronics are covered with warranty, it usually excludes personal damage that may arise from negligence or other causes. Therefore, it is crucial to take such accidental cost into account.

Image credit: lesterchan.net

4. Celebration

Joyous parties and festivals occur periodically. It could be an invitation to your superior or colleague’s wedding or baby shower. It could also be part of the family or societal culture to soak in the fun for festivals such as the Mid-Autumn Festival. It is a time where close friends and families get together and wallow in the festive exuberance, developing stronger rapport and splurging on their loved ones and themselves.

Leverage on modern marketing for your brand

Times have been difficult recently and this resonates with companies trying to keep their costs low. Traditional marketing techniques have been slowly losing its trend due to its time consuming and costly factors. All these things are delivered in print format or in person. On the contrary, Internet marketing transcends outdated form of marketing using the power of online networks and interactive media to reach your marketing objectives. With modern marketing, you can lower costs and accomplish more without catalogs, brochures and any other marketing collateral. You can reach more customers than ever before with its cost efficiency formula.

Spreading the name of your company does not have to be expensive. Owl City SG provides online advertising, marketing and profiling for local companies and businesses. They were nominated this year with “Top 25 Prestige Award 2015” for demonstrating exceptional accomplishment in Business Fields.

Owl City provides excellent Business to Business (B-to-B) services ranging from Profile Portal, E-commerce, Media Advertising and Marketing Consultation.

A recent profound marketing collaboration that Owl City has undertaken involves assisting Central Narcotics Bureau (CNB) on their Drug Awareness Campaign by managing CNB’s “Life Does Not Rewind” FaceBook page. In there, creative marketing techniques such as videos and games contests were showcased with highly creative and engaging content resulting in overwhelming responses from the general public.

Essentially, Owl City’s achievements would not have been made possible without Miri Yeo, the Founder of Owl City SG. Through her sheer determination to pursue her passion of starting up a marketing firm, she stands firm to her beliefs that profit maximization should never be her main goal, rather the importance of advocating an honest reputation when doing business, alongside with maintaining top-notch work quality standards and efficiency.

Fundamentally, over 300 clients who have engaged Owl City SG’s advertising and branding services have left them with positive feedbacks which resulted in significant cost savings in the long run. Owl City SG remains as a prime choice for people who wish to grow and expand their businesses, and customer bases. Its grasp of modern media and advertising is second-to-none.

An example on how Owl City provides a comprehensive services to Yoogane, a Korean restaurant in Singapore:

Yoogane, client of Owl City Singapore

For more information on Owl City SG, refer to the links below:

http://www.owlcitysg.com/ (Business to Business Services)
http://www.owlcity.com.sg/ (Business to Consumers Services)

This article is brought to you by Owl City Singapore.

Enjoy A Rejuvenating Retreat For Less Than S$15

After months of wrestling with tight deadlines, multiple assignments, and crucial projects…you deserve a peaceful rest. A weekend retreat will help! There are different kinds of retreat. While some are spiritually rooted (e.g., in Hindu, Buddhist, Christian and Sufi communities), others are for recreational purposes.

A recreational and wellness retreat is a short getaway with a goal to improve your overall health. Activities such as Yoga, meditation, workshops, and organic dining are usually included in the mix. Its average price ranges from S$700-3,000.

Luckily for you, you can take your mind and body to a rejuvenating retreat without flying off the shores of Bali or spending more than S$15. All you have to do is to create your own retreat within the walls of your own home.

1. SET THE POSITIVE MOOD

Kick off your weekend of relaxation by setting up a positive mood. Aromatherapy has been proven to enhance one’s physical and psychological well being. Scented candles ranging from S$2.90-4.90 are available at IKEA.

Image Credits: ikea.com/sg/en/catalog/products/90283207

2. PRACTICE YOGA TWICE A DAY

Eliminate your daily stress by practicing Yoga in the morning and before you end the day. Practicing at home along with a video or audio guide is definitely more cost-effective than attending classes. Websites such as doyogawithme.com and kinoyoga.com have abundant collection of Free Yoga videos and health information that you may use.

If you are in need of yoga props, here are some tips as shared by Abby Lentz (Founder of HeavyWeight Yoga classes):

a. Yoga Blocks

Make a handcrafted Yoga Block with bulky, unused, or old books, yellow pages, phone books, and dictionaries. Just slip a pace of hard cardboard halfway between the pages of the book to make it sturdy and tightly tape the entire areas close.

b. Yoga Straps

Make your own Yoga strap by knotting two neckties together. You may also use a second-hand bathrobe sash from the thrift shop as branded Yoga straps are merely made with cotton straps and buckles.

3. TAKE A BREATH OF FRESH AIR

Include at least 30 minutes of cardio exercises such as jogging, brisk walking, and cycling outdoors. These no-cost exercises done in the nearest park will help lower your blood pressure and improve your outlook in life.

4. LOCK DOWN ALL DEVICES

In the spirit of a true retreat, turn off all your devices for the whole weekend but, inform your boss prior to it. Avoid the laptops, tablets, and hand phones to decrease your worries and improve your sleep.

5. MEDITATE FOR 10 MINUTES

Through meditation and mindfulness, you will be focusing yourself to your present state. This improves your quality of life. In fact, a study showed that there was a reduction of grey matter’s amount in the brain after 8 weeks of meditation. This later resulted to less stress and anxiety.

Image Credits: misspsychobabble.blogspot.com

6. EAT HEALTHY FOOD

To detox your body even more, it is a must to eat healthy food for the entire weekend. Shy away from alcohol, tobacco, caffeine and too much sugar. Make an affordable yet healthy smoothie by following these steps by Jasmith1:

a. Pour 300 ml of Apple juice into the measuring jug.

b. Peel a Banana and break it into pieces. Add this to the jug.

c. Grab a handful of frozen Berries and add this to the jug.

d. Liquidate everything using a hand blender until it is fully blended.

e. Presto! You can now enjoy your smoothie. 🙂

Sources: 1, 2, & 3

3 ways to look for the best in people

Some people we know adopt generally negative and cynical attitudes towards others, but in doing so, they fail to realize that they have missed out on the joys of life. These people sometimes impose self-righteous beliefs on to others and form judgments of how others should behave. They keep close tabs on people’s mistakes rather than focusing on the positive experiences all of you can create and share. And such behaviours potentially strain friendships and social ties.

On the other hand, if everyone recognizes the fact that life has its own struggles, we could be more forgiving and compassionate. We can alleviate our own suffering while not adding to others’ emotional burden by being positive and looking for the best in people in 3 ways.

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Cultivate a compassionate attitude in which we are empathetic, receptive, understanding, and loving towards others. We all have independent minds that think differently due to disparate cultural and social influences. Most of the time, there isn’t a clearly superior or inferior viewpoint. It is thus often in our best interest to expose ourselves to the universe of diverse ideas and beliefs and learn the beneficial ones through methodical comparison and evaluation. At the same time, when we cultivate compassion instead of negativity, we become closer to the people we love and care about and experience a greater sense of moral fulfilment within ourselves.
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Understand everyone has their own strengths and weaknesses and seek to recognise and complement people’s strengths instead of being unduly obsessed with their weaknesses. More often than not, it reaps far more extraordinary results by spending one’s limited time and resources on building strengths than minimising weaknesses.
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Put yourself in other’s shoes and think from their angle. Always think of how you would want to be treated. Do you like somebody to nitpick your mistakes? If not, the best way to solve a problem is rarely blame shifting or lashing out on others. Instead, maintaining a cool-headed composure and providing constructive (rather than destructive) feedback would be a much more effective remedy. This speeds up learning, resolves the issue and gains other’s favour.

It is important to accept that we create and shape the world we want to live in. If we want others to be compassionate, considerate and understanding, we have to first be comfortable with exhibiting these traits. If we want others to discover and augment our strengths, we should first have a stake in developing others’ strengths and bringing them success. The old adage “don’t do unto others what you don’t want others to do unto you” still holds unwaveringly. Start appreciating what others have as opposed to getting sore at what they lack could be the first step. Every effort to make the world a more congenial place to live in counts.

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