MoneyDigest - Personal Finance, Lifestyle, Money Saving Tips

There’s a limited edition Dr.G x Inside Out 2 skincare range with an ongoing 1+1 promo until 14 June 2024

Olive Young’s latest collaboration is sure to stir up some joy—a limited edition skincare line in partnership with Dr.G, themed around <Inside Out 2>.

This exclusive collection merges the best of skincare science with your favorite animated emotions and it’s available for a short time only, with a 1+1 promo running until mid-June.

Dr.G pH Cleansing Red Blemish Clear Soothing Foam 150ml 1+1 Set

Promo Price: $24.51

First up, you will want to bid farewell to blemishes and say hello to soothed skin with the Dr.G pH Cleansing Red Blemish Clear Soothing Foam.

This gentle, yet effective cleanser tackles excess oil and acne-prone skin with a soft, creamy texture that won’t leave you feeling stripped or irritated.

Powered by a 5-CICA Complex and 8 types of Hyaluronic Acid, it hydrates and soothes even the angriest of breakouts, whether on your face or body.

Ditch the harsh scrubbing and let this pH-balanced formula do the work for you.

Dr.G Red Blemish Soothing Up Sun 50ml 1+1 Set

Promo Price: $26.93

Protect your sensitive skin with the Dr.G Red Blemish Soothing Up Sun 50ml 1+1 Set.

This moisturizing sunscreen delivers clinically tested SPF50+ PA++++ protection to shield your skin against harmful UV rays, infrared light, and environmental pollutants.

Formulated with Centella Asiatica-based CICA and 5 calming ingredients, this sunscreen helps alleviate heat-induced irritation and boosts moisture levels for a healthy complexion.

Dr.G Red Blemish Clear Soothing Toner 300ml 1+1 Set

Promo Price: $30.29

Dull, blemish-prone skin, meet your new best friend.

This Dr.G Red Blemish Clear Soothing Toner is a skincare superhero, gently sweeping away impurities while soothing and strengthening your complexion.

Powered by a 5-CICA Complex and nourishing African Aloe, this toner helps promote healthy cell turnover for a smoother glow.

Plus, plant-derived AHA and BHA work to remove excess oil and residue, leaving you with a clean, clear canvas for makeup.

With key barrier-boosting ingredients, this toner fortifies your skin’s natural defenses for lasting suppleness.

Dr.G Red Blemish Clear Soothing Cream 70ml 1+1 Set

Promo Price: $43.29

Last but not least, banish blemishes and restore skin’s radiance with the Dr.G Red Blemish Clear Soothing Cream.

This water-based formula feels refreshing and lightweight, never greasy.

Sensitive types, rejoice, for the gentle, CICA-infused blend calms redness and irritation for a happy glow.

And as a special bonus, this 1+1 set includes a color-changing emotion cup as a complimentary gift.

The Olive Young and Dr.G x <Inside Out 2> skincare range is not to be missed. Don’t miss out on the chance to grab your 1+1 promo that’s as appealing as it is fleeting (only until 14 June 2024). It’s time to give your skin the star treatment it deserves, with a touch of animated cheer from the <Inside Out 2> characters 🙂

12 Hacks to Pack Like an Expert & Avoid Extra Fees

Packing can be overwhelming, even with the best or most expensive luggage. The stress often comes from not knowing exactly what you’ll need at your destination. To streamline the process and avoid unnecessary fees, here are 12 expert tips to help you pack like a pro.

PACK WITH A COLOR PALETTE

Choose a color palette you love, such as brown, black, or pink. Stick to this range for your tops and bottoms to mix and match outfits easily. This strategy maximizes wardrobe options while minimizing the number of pieces you need to pack. For example, a navy blue skirt can pair with multiple tops, creating several different looks from just a few items.

FOLLOW THE RULE OF THREE

Limit yourself to three pairs of shoes: one casual sandal or loafer, one pair of sneakers, and one evening shoe. Shoes take up significant space, so wear the heaviest pair during travel and pack the other two. This approach conserves space and helps distribute weight more evenly.

ARRANGE CLOTHES THOUGHTFULLY

Start by placing rolled, softer items like tees and underwear at the bottom of your suitcase. Next, add folded garments, starting with the longest items such as skirts and dress pants. Alternate waists and hems to save space, draping the ends over the opposite side. Fold shorter items like shirts at the hinge and snake belts around the perimeter to maximize every inch of space.

USE RESEALABLE BAGS FOR SHOES

Place each pair of shoes in a resealable bag to keep dirt and germs away from your clean clothes. Position the bagged shoes along the sides of your suitcase. This method keeps your clothes clean and organizes your suitcase more efficiently, making it easier to unpack upon arrival.

ROLL AND FOLD ITEMS

Use a combination of rolling and folding to optimize space. Roll softer items like T-shirts, underwear, and knitwear to prevent wrinkles, and fold stiffer items like blazers and dress pants. This hybrid approach ensures that your clothes arrive in good condition and allows you to fit more into your suitcase.

OPT FOR TRAVEL-SIZED, MULTI-TASKING ITEMS

Choose products that serve multiple purposes, such as a tinted moisturizer that acts as a foundation, or a combined soap and shampoo. This reduces the number of toiletries you need to bring. If you’re flying with a carry-on, remember to check current regulations for liquids to ensure compliance and avoid delays at security checkpoints.

Image Credits: unsplash.com

KNOW YOUR AIRLINE’S WEIGHT LIMIT

Be aware of your airline’s weight limits for checked luggage. Use a lightweight suitcase and pack with a handheld weight scale to avoid overpacking. This proactive measure helps you stay within the allowed weight limits, preventing costly overweight fees at the airport.

MAKE EVERY INCH COUNT

Utilize every bit of space, including inside your shoes. Roll up socks, underwear, or smaller items and stuff them into boots or sneakers to save space and maintain their shape. This technique maximizes your luggage capacity and helps keep your shoes in good condition during travel.

INVEST IN PACKING CUBES

Packing cubes are a game-changer for organization. Bring an extra cube for dirty laundry. When you return home, you can easily transfer the contents into your laundry basket without rummaging through your suitcase. This simple step keeps clean and dirty clothes separate and makes unpacking a breeze.

SPLURGE ON GOOD QUALITY TOILETRIES

High-quality toiletry bottles are worth the investment. They save space and ensure you have just the right amount of your favorite products. Durable bottles prevent leaks and spills, protecting your clothes and other belongings.

SHRINK DIRTY LAUNDRY

Use compression bags or cubes for dirty laundry. Graphic designer Jessica Ellis recommends Eagle Creek packing bags that can reduce the volume of your clothes by up to 80%. You can get the similar items from online retailers. This method is particularly useful for longer trips where laundry can accumulate and take up significant space.

KNOW THE HIDDEN COSTS

Always check for hidden fees associated with overweight luggage. Planning ahead and packing strategically ensures you stay within the allowed limits and avoid surprise charges.

Image Credits: unsplash.com

By following these tips, you can pack efficiently, avoid extra fees, and ensure a smoother travel experience.

Sources: 1 & 2

6 Secrets to Slashing Costs on a Cruise Holiday

My father recently found himself with some extra income. After diligently paying off debts, he realized that he and my mother could finally take a cruise and travel together for the first time since their kids grew up.

Cruises from Singapore or any part of the world can be expensive, but they don’t have to be. Here are six secrets we’ve discovered to help you save money on your next cruise holiday.

#1: BOOK EARLY

Booking your cruise early can often secure the best deals and the widest choice of itineraries and cabins. Many cruise lines offer early bird discounts and special promotions that can save you a significant amount of money. My friends managed to snag a great deal by planning their honeymoon trip well in advance, ensuring they got the cabin they wanted at a fraction of the peak price.

#2: LOOK FOR INCLUSIONS

When booking a cruise, the lowest price isn’t necessarily the best deal. Patton, a seasoned travel advisor, points out that the starting price doesn’t always reflect what you’re getting for your money. “Many small-ship cruise lines offer all-inclusive fares where excursions, beverages, and specialty dining are included. These can cost you a lot if bought separately,” she says. Michael Middleton of MyCruises recommends looking for deals that offer inclusions, such as onboard Wi-Fi for a set day rate, which can add up to substantial savings.

#3: AVOID PAYING FOR FLIGHTS

Flights can be notoriously expensive due to high demand and limited supply. One way to save is by cruising from your home port. Cruise lines like Royal Caribbean and Resorts World Cruises have departure points in places like Singapore, which can eliminate the need for pricey flights. My parents chose a cruise departing from Singapore, saving them a considerable amount on airfare.

Image Credits: unsplash.com

#4: CONSIDER PACKAGE DEALS

Bundling different aspects of your cruise holiday, such as flights, accommodation, tours, and transfers, can result in significant savings. Travel agents often have access to rates not available to the public.

Websites like Klook also offer package deals that can help reduce overall costs. Browse through their selections today.

#5: THINK LAST MINUTE

If your free time is spontaneous or out of the blue, consider last-minute bookings. These deals are often available during year-end promotions or when cruise lines need to fill remaining cabins.

#6: SHOP AROUND

It’s always wise to shop around and compare prices before making a booking. Different travel agencies and websites offer various promotions and discounts. My father spent time researching and comparing different options before making a final decision. This careful shopping around helped him find the best deal, ensuring a memorable and cost-effective cruise holiday for my parents.

Image Credits: unsplash.com

In conclusion, with a little planning and smart shopping, a cruise holiday can be an affordable and enjoyable experience.

Source: 1

Want to get a vehicle entry permit before entering Malaysia but don’t know how? Here’s what you need to know

Malaysia is making some changes for foreign vehicles entering the country from Singapore starting 1 October 2024.

From then on, all foreign-registered vehicles will need something called a vehicle entry permit, or VEP for short.

Their transport minister, Anthony Loke, announced this recently.

He said that any foreign vehicles caught entering or driving around Malaysia without one of these VEPs from October could be fined up to 2,000 Malaysian ringgit, which is around S$574.

Or the driver could face up to 6 months in jail.

If you don’t want to get into trouble, here’s a quick overview of what you need to know about getting one of these VEPs.

Do you need one?

You will need one if you own any type of foreign vehicle—personal cars, commercial vehicles, or even motorcycles registered in Singapore.

Even embassy and government vehicles have to get them.

To apply, either the vehicle owner or someone they authorize needs to register online at this website: vep.jpj.gov.my.

After making an account, you will get an email linking you to the VEP portal site to finish everything up.

Make sure you have the Touch N Go eWallet app set up on your phone first though.

Once logged in, you will upload documents like proof of insurance, your ID, and vehicle ownership papers.

Then you just wait for approval.

The relevant authorities will email you to choose your pickup—either by mail delivery or by collecting it yourself in Johor Bahru once everything is processed.

Image Credits: sgcarmart.com

How much and how do you make payment?

The tag itself costs about 10 Malaysian ringgit minus shipping/service fees.

Simply pay online using a credit card.

When you receive the tag, log back into the portal and acknowledge it.

Where to attach the tag?

Stick it either on the top left of your windshield or left headlight, at least 5 cm from any metal parts.

Snap a pic for them once it’s on and upload it to the VEP portal.

They will activate it and you’re all set!

What’s the tag for?

The tag lets you pay road tolls and such using RFID lanes linked to your eWallet account.

It lasts 5 years from activation.

Just remember vehicles can only stay 90 days max for each visit.

Oh, and the new system will help police track foreign vehicles that break traffic laws.

A few other final notes as we round this up:

The tag isn’t transferable between vehicles, so you will need a new one if you get a different car.
Update the portal if your vehicle gets sold.
Authorities usually replace faulty tags for free, otherwise, you will need to pay administrative fees if it’s stolen, lost, or damaged.

Is Upgrading Your Flight Truly Worth It?

As you make your way through the business class cabin to your seat in coach, it’s hard not to feel a twinge of envy. The plush seats, extra legroom, and attentive service are undeniably tempting.

But is upgrading your flight really worth the cost? Let’s explore the details.

THE DIFFERENCES

Economy Service on International Flights

In economy, you can expect a meal or snack, though the quality is often just average. Most airlines offer juice and wine during meal service. Your seat will have standard legroom, a small pillow, and a light blanket (i.e., items upon request). However, you might need to pay extra for headphones.

Premium Economy Service on International Flights

Premium economy offers all the benefits of standard economy with a few added perks. You’ll enjoy about three extra inches of legroom, complimentary earbuds, dedicated overhead storage, early boarding, and a small amenity kit with earplugs and a sleeping mask on long-haul flights.

Business Class on International Flights

Business class enhances comfort with more legroom, greater seat recline, and a footrest. You’ll benefit from expedited check-in, early boarding, dedicated overhead bins, and a more private cabin. The dining experience is elevated with more frequent food, snack, and drink service. You’ll also receive a premium amenity kit, higher-quality pillow, thicker blanket, and noise-canceling headphones.

First Class or Premium Service on International Flights

Expect lay-flat seats, a larger entertainment system with noise-canceling headphones, lounge access, expedited check-in and boarding, and extra overhead bin space. The premium amenity kit may include pajamas, and you’ll be treated to a welcome cocktail, premium wines, and gourmet meals served on fancy plates. Some flights even feature suites with doors for added privacy.

CONSIDER THESE FACTORS

#1: FLIGHT DURATION

The length of your flight is a critical factor. For flights under 7-8 hours, the upgrade might not be worth it. However, for longer flights to USA, Africa, New Zealand, or Europe, the enhanced comfort can significantly improve your travel experience.

#2: COST

Cost is a major consideration. Upgrading from economy to premium economy on a flight might cost an extra SGD 135 to SGD 270, which can be a worthwhile investment for the added comfort. However, upgrading to first class can add SGD 2,700 to SGD 5,400 to your ticket price, translating to SGD 337.50 to SGD 675 per flight hour. Assess if the additional legroom and perks are worth the hefty price.

Consider upgrading only the longest leg of your journey to save money. Airlines often offer upgrade deals after booking, which can be significantly cheaper than the original first-class ticket price.

#3: TRAVELING WITH KIDS

For families traveling with children on long flights, an upgrade can make a world of difference. The additional space and comfort can help everyone get some rest, making it easier to hit the ground running when you reach your destination.

#4: FLIGHT ANXIETY

If flying makes you anxious, upgrading can help alleviate some of that stress. The more spacious and comfortable environment, with less crowding and noise, can make the experience more relaxing, even if the actual flight isn’t any safer in a premium cabin.

Image Credits: unsplash.com

#5: BAGGAGE ALLOWANCE

Upgrading often comes with increased baggage allowances. Some airlines allow up to 20 lbs more luggage for premium passengers, which can save you from expensive overweight fees. If you tend to overpack or shop a lot on your trips, this added benefit can be very useful.

#6: AIRLINE REWARDS PROGRAMS

Frequent flyers can benefit from airline rewards programs that offer free or discounted upgrades. Take advantage of these programs!

#7: TIME SAVER

Premium passengers can often skip the long lines at check-in and security, which can save a significant amount of time. This is especially valuable if you’re on a tight schedule or have a business meeting right after your flight.

IN A NUTSHELL

Whether upgrading your flight is worth it depends on various factors, including flight duration, cost, personal comfort, and travel needs.

Image Credits: unsplash.com

For long-haul flights, the increased comfort and additional perks can make a substantial difference. However, for shorter trips, the extra expense might not be justified. Assess your priorities and travel preferences to make the best decision for your journey.

Sources: 1 & 2

Do you need one?

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Where to attach the tag?

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