MoneyDigest - Personal Finance, Lifestyle, Money Saving Tips

7 knitwear fashion essentials under $45 for your autumn adventures abroad

As we prep for the leaves to fall and the air to turn crisp, it’s time to revamp your wardrobe for your autumn adventures abroad.

If you’re on the hunt for cozy yet chic knitwear, you’ve come to the right place.

We’ve curated a list of stellar essential knitwear pieces, all under $45, that will keep you warm, stylish, and ready for any autumn escapade.

EZwear Ribbed Knit Flare Leg Pants

Price: $12

Nothing says laid-back comfort like a pair of stretchy flare pants.

These knit wonders are your new go-to for kicking back in style. An elastic waistband keeps things comfy while the flared legs add a touch of sass to your stride.

Made from 95% polyester and 5% elastane, these pants move with you through whatever the day may bring. Highly stretchable yet opaque, they’re perfect for airport fashion or when you need a quick run to the convenience store.

Plain yet anything but boring, their casual vibe complements your favorite tops. When comfort calls, these flare pants answer. Slip into their soft embrace and you will never want to take them off. Who knew autumn loungewear could look this chic and cheap?

Dazy Solid Batwing Sleeve Open Front Cardigan

Price: $19

With its batwing sleeves, medium stretch, and neutral color options, this acrylic fabric cardi layers effortlessly over tanks, tees, and dresses for a stylish finish.

The slightly oversized silhouette creates a laidback vibe that says “I threw this on and look casually chic” rather than “I spent hours fretting over this outfit”. In other words, it’s a throw-on-and-go staple that pulls your look together without trying too hard.

At only $19, you will want to scoop up this versatile number in multiple hues so you’re covered for those fall days abroad. Talk about value—your new favorite outerwear is here.

Alacati Asymmetrical Rib Top

Price: $28.90

This little number is not your average crop top.

With an asymmetrical hem that’s v-shaped in the front, it adds instant edge and drama to any outfit. The stretchy fabric clings in all the right places, showing off your shape without feeling constricting. And the round neckline is made for layering with a statement necklace or choker.

Available in neutral tones of black and beige and eye-popping fuchsia, this top pairs perfectly with everything from denim to a maxi skirt and more. Slip it on and prepare to turn heads because the only thing symmetrical about this crop top is the attention you will get.

Ophira Top

Price: $36

This toga cotton top is your new pre-fall weather wardrobe wonder.

Constructed from breathable knit cotton, it’s as comfortable as your favorite t-shirt but with a stylish drape that flatters your figure. Whether you tuck it in for a streamlined silhouette or leave it loose for an effortless vibe, this versatile piece is a blank canvas for your fashion creativity. And the stretchy fabric means you will feel as fabulous as you look.

When the temperature rises during the day, pair it with shorts for a flirty look, or style it with a maxi skirt for a bohemian goddess moment. However you wear it, this toga top is sure to become a staple for your autumn travel fashion rotation.

Sera Slit Knit Maxi Skirt (Gunmetal Grey)

Price: $38.90

This knit maxi skirt is about to become your wardrobe’s MVP.

Made of a soft knit that flows and flatters, it features an alluring side slit that gives a glimpse of your leg as you walk, instantly elongating your silhouette. An elastic waistband means it’s as comfortable as your favorite PJ bottoms but looks polished enough to strut your stuff as you go about your day.

And did we mention the color? This gunmetal gray hue is neutral and pairs perfectly with everything. Whether you’re dressing for brunch or a night out in town, this skirt pulls any look together with the perfect amount of drama while keeping you warm.

Go ahead, give your tired wardrobe an upgrade, and fall in love with a classic maxi skirt that makes getting dressed a breeze.

Rio Peplum Knit Cardigan

Price: $41 (was $59)

This figure-flattering cardigan proves that comfort and style can coexist.

Crafted from a breathable stretch knit, it features a v-neckline and a flared peplum silhouette for a silhouette that flatters every curve. Wear it as it is or pair it with a high-neck top—either way, its versatile design ensures you will reach for it again and again to play mix and match.

Available in beige and fern (green).

Virtues Of Braids Cable Knit Longline Cardigan Ecru

Price: $44.90

Last but not least, we have this cardigan that channels your inner granny in the best possible way.

Woven from a sublimely soft wool blend, this heavyweight knit is cozy comfort epitomized. But don’t let its old-school vibes fool you—its vertically arranged expressive braided cable knits give it a textured twist, while an oversized fit and ecru hue keep it effortlessly on-trend. Slip it on for a dash of laid-back luxury and you will feel happily ensconced in its warmth all day long.

When temperatures drop, one touch is all it takes to become smitten with its wooly wonderfulness. Your granny may have knit you sweaters before, but never quite like this.

And there you have it, folks—fabulous knitwear essentials, all under $45, to keep you snug and stylish during your autumn travels abroad. So go ahead, infuse these must-have staples into your wardrobe, and let them accompany you on your journey through a world of fall hues and cool breezes. Don’t forget your camera and poses!

Spot These 5 Money Traps in Your Life

In our fast-paced world, we’re constantly connected through our smartphones, engaging in various activities like messaging, browsing the internet, and social media posting. However, the hidden costs of these daily routines can sneak up on us, especially if we use services from different providers.

So, what can you do to avoid falling into the phone company money trap? First, be conscious of your usage patterns. Then, take the time to shop around and find the best provider and package that suits your needs. That unlimited anytime mobile data plan may sound appealing, but if you primarily use office or home Wi-Fi, you might be overspending on data you rarely use.

Another sneaky money trap lies in the complex world of bank charges. With fees hidden in various transactions and levied monthly or annually, it can be challenging to keep track of what your bank account is truly costing you, especially if you don’t regularly check your statements.

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To combat this, take a proactive approach. Download or get printouts of three months’ worth of statements and carefully examine each entry. Categorize your spending into essential and non-essential items using spreadsheets or highlighters. By doing this, you’ll be able to calculate the average amount you’re spending on bank charges each month. Remember to check if any fees only apply after reaching a specific threshold. If you need assistance, don’t hesitate to reach out to your bank’s customer service for clarification. This exercise might be eye-opening, revealing how seemingly minor fees can accumulate over time.

Now, let’s talk about the allure of no-money-down plans. Sure, it might seem like a great deal to buy that brand-new couch without putting any money upfront. However, beware of this trap! By opting for such plans, you’re committing yourself to long-term payments on something that you should have paid for in full at the outset. Instead, consider saving up some cash and making the full payment when purchasing big-ticket items.

Next on our list is the enticing but ill-fated lottery game. Many people dream of becoming instant millionaires through luck and chance. Buying a $10 scratch card seems harmless enough when a life-changing sum awaits, but the odds of winning are overwhelmingly against us.

Lastly, be cautious about investment scams. If someone offers unsolicited investment advice or urges you to invest immediately to avoid missing out, red flags should go up. These scammers prey on the fear of missing out (FOMO) to trick unsuspecting victims. Always remember the timeless advice: if an investment promises unrealistically high returns with zero risk, it’s probably too good to be true.

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In conclusion, being aware of these money traps and making informed decisions can help you safeguard your hard-earned money and financial well-being. So, take charge of your finances and avoid these pitfalls on your journey to a secure financial future.

Sources: 1 & 2

8 Tips to Save Money for a Memorable Bachelor Party in Singapore

Are you ready to throw an epic bachelor party in Singapore without emptying your wallet? We’ve got you covered! Planning a memorable celebration doesn’t have to be a financial nightmare.

With these 8 money-saving tips, you can have a blast while keeping your expenses in check. So, let’s dive in and make this bachelor party one for the books!

#1: SET A BUDGET

Before you start planning, get everyone on board with a realistic budget. Figure out how much each person is comfortable contributing and make sure it covers all the essentials like transportation, accommodation, activities, food, and drinks.

#2: CHOOSE AN AFFORDABLE PLACE

Who needs a fancy 5-star hotel when you can find cozy and budget-friendly options in Singapore? From hostels to budget hotels and serviced apartments, there’s something for everyone. Do some research, compare prices, and pick a place that meets your needs and fits your budget. Don’t forget to read online reviews to avoid any sketchy surprises. You might even consider booking an Airbnb for a more unique experience.

#3: PLAN AHEAD

The early bird gets the worm, or in this case, the best deals! Plan ahead and take advantage of early bird discounts, promotions, and group deals. Book your flights, accommodations, and activities well in advance to snag the best prices and avoid last-minute surcharges.

#4: EXPLORE FREE & LOW-COST ACTIVITIES

Singapore offers plenty of wallet-friendly attractions and activities. Take a stroll through stunning parks like Gardens by the Bay or East Coast Park, perfect for picnics and outdoor games. Immerse yourself in the vibrant culture by visiting local markets like Chinatown and Little India. Want some fun in the sun? Organize a friendly sports match or spend the day at one of the city’s beautiful public beaches.

If the groom is an adrenaline junkie or simply wants to conquer his fears before tying the knot, look no further than Sentosa for Singapore’s only bungee jumping experience! With heart-pumping jumps from 47 meters above the ground and a variety of jump styles, you can capture some epic footage to show the bride-to-be that her man is still thinking of her. Book through Klook for just S$11!

#5: DIY FOOD & DRINKS

Eating out for every meal can quickly drain your wallet, especially in a vibrant city like Singapore. Instead, consider cooking meals yourselves or ordering affordable takeaway options. Many hostels and apartments provide kitchen facilities, allowing you to whip up simple yet satisfying meals. When it comes to drinks, skip the expensive bars and clubs and grab affordable options from local convenience stores.

#6: POOL YOUR RESOURCES

Teamwork makes the dream work! Encourage everyone in the party to pool their resources to minimize costs. By sharing expenses for food, drinks, transportation, and accommodation, you can significantly lighten the burden on each person’s wallet. Work together with your crew to find the most cost-effective options for different aspects of the bachelor party.

#7: HUNT FOR GROUP DISCOUNTS

When booking activities, keep an eye out for group discounts or packages tailored specifically for bachelor parties. Many tour operators, spas, and adventure parks offer special rates for larger groups, giving you the chance to save money while enjoying unique experiences.

#8: PLAN YOUR TRANSPORTATION WISELY

Singapore boasts a fantastic and affordable public transportation system. Make the most of it by using the MRT and buses to get around the city instead of relying solely on taxis or private car hires. If you need to travel longer distances, book in advance to secure the best rates for group transportation.

Image Credits: unsplash.com

IN A NUTSHELL

Planning an unforgettable bachelor party in Singapore doesn’t have to drain your bank account. With a solid budget, affordable accommodation, free activities, and pooling resources, you can create memories that will last a lifetime without breaking the bank.

Armed with these money-saving tips, go ahead and plan the ultimate celebration for the groom and your group of friends!

Sources: 1 & 2

Latest WFH internships posted from 7 to 10 August 2023

Oh yeah, it’s Friday again and it’s time for our weekly roundup, where we spotlight the most exciting remote internship opportunities that have cropped up this week.

Whether you’re looking to kickstart your career, gain practical experience, or explore options for a friend or family member, our curated list of WFH internships offers something for everyone.

Stay on this page as we roll with the opportunities.

#1: Validus Capital Pte Ltd – Fintech Intern

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Website: validus.sg

Allowance / Remuneration: $500 – 1,000 monthly

Job Qualifications

Familiarity with outbound sales environments, field sales, and/or face-to-face selling is preferred.
Outgoing and positive personality, with the ability to engage with customers of all backgrounds and personalities.
Excellent interpersonal and communication skills.
Strong organizational and time management skills, with the ability to manage multiple sales activities and tasks simultaneously.

Key Responsibilities

Generate new business and drive sales through direct, face-to-face interactions with customers in outdoor locations.
Conduct product demonstrations and presentations to potential customers, highlighting the features and benefits of our products.
Ensure that the assigned daily and monthly targets are achieved.
Ensure that all sales procedures are accurately documented and resolve any discrepancies in the client acquisition cycle, starting from the onboarding of new SME borrowers up to the initial loan disbursement.
Comply with all relevant AML/KYC requirements.

How to apply?

View the job post in full here and write to Laila Jumari via this link.

#2: NodeFlair – Software Engineering Intern

Website: nodeflair.com

Allowance / Remuneration: $1,200 monthly

Job Qualifications

Knowledge of ReactJS (or any similar modern frontend frameworks)
Knowledge of Ruby on Rails (or any similar modern web framework)
NSF with experience or projects are welcome to apply
Prior internships / hack-a-thons / freelancing / own project experience
Grit: Hunger and driven to learn
Mindset: Proactive and humble
Interest: Startups and open to learn anything!

Key Responsibilities

Rapidly build, iterate, test, and deploy new features and products in the front-end and back-end of this new vertical.

How to apply?

View the job post in full here and send in your application to hiring@nodeflair.com.

#3: Sofia Wellness Clinic – Business Development And Marketing Intern

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Website: sofia.com.sg

Allowance / Remuneration: $700 – 1,000 monthly

Job Qualifications

Excellent written skills and ability to write clear, concise, and compelling copy
Familiarity with various social media platforms (e.g. Meta Business Suite, Youtube Studios)
Proficiency in graphic design and video editing software (e.g. Adobe Creative Suite, Canva, Final Cut Pro, etc.)
Having a Diploma / Bachelor’s degree in Psychology and/or related is a plus
Ability to commit to a full-time position for a minimum of 3 months

Key Responsibilities

Plan and create content for social media platforms (i.e. Facebook, IG, Youtube, and TikTok)
Plan and execute ad campaigns on Facebook and IG
Write blog articles for the website
Create and launch online and offline marketing campaigns
Other marketing tasks as assigned

How to apply?

View the job post in full here and send in your application to hello@sofia.com.sg.

#4: Adseas Venture – SEO Intern

Website: archseo.com

Allowance / Remuneration: $1,000 monthly

Job Qualifications

Passion for SEO, with a curiosity to explore the realms of affiliate marketing and lead generation.
Strong written and verbal communication skills in English, enabling you to craft persuasive content and engage with potential leads.
Detail-oriented mindset for optimizing content and analyzing data to refine strategies.
Self-motivated, eager to learn, and comfortable working remotely.
Basic understanding of SEO principles and digital marketing concepts.

Key Responsibilities

SEO Wizardry: Dive into the world of SEO by mastering on-page and off-page optimization techniques. Craft enchanting meta descriptions, conjure keyword strategies, and wield the power of HTML for enhanced search engine visibility.
Affiliate Apprentice: Collaborate with our affiliate marketing team to understand the nuances of strategic partnerships. You’ll contribute to the creation of engaging affiliate content, ensuring it aligns with our SEO goals and resonates with our audience.
Lead Generation Initiate: Immerse yourself in lead generation tactics, crafting compelling offers and nurturing strategies that beckon potential clients. Learn to capture, engage, and guide leads through their journey.
Synergistic Strategies: Discover how SEO, affiliate marketing and lead generation can harmonize to create a powerful online presence. Uncover the magic of aligning these strategies for optimal results.

How to apply?

View the job post in full here and apply via this link.

#5: Hai Sia Seafood – Business Operations Intern

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Website: haisia.com.sg

Allowance / Remuneration: $550 – 750 monthly

Job Qualifications

Strong analytical and problem-solving skills, with keen attention to detail.
Proficiency in data analysis tools and software
Enthusiasm for technology and a willingness to learn and adapt to new business reporting software
Excellent communication skills and the ability to collaborate effectively with diverse teams
Interest in knowledge management and a desire to contribute to process improvement
Currently pursuing a degree in Business, Data Analytics, Information Management, or a related field (preferred but not mandatory)

Key Responsibilities

Analyse and interpret data to identify key trends, patterns, and insights that drive business decisions.
Assist in the implementation of cutting-edge business reporting software, contributing to streamlined data visualization and reporting processes.
Collaborate with cross-functional teams to enhance knowledge management systems, ensuring efficient data retrieval and sharing.
Contribute to the development of process improvement strategies based on data-driven insights.
Participate in team meetings, brainstorming sessions, and project discussions, offering your unique perspective and innovative ideas

How to apply?

View the job post in full here and write to Avaline via this link.

Note: We’ve selected these internships based on the “remote” tag, but some positions may still require some face-to-face time. Please contact the employer directly for more deets.

How To Manage Your Trading Portfolio

If you want to manage your trading portfolio better, here are some tips that would be beneficial.

Knowing how to manage a trading portfolio is critical if you want to stamp your footprint into the world of trading, and it’s a crucial skill that many day-to-day traders need more time to understand fully. It doesn’t matter whether you’re a seasoned trader with years of experience or a newbie who’s trying to find what works for them; the key to being successful is being able to manage a portfolio and be able to assess risks, get the best returns for your investment, and stick to the goals you set.

In this article, we’ll look at how you can manage your trading portfolio and share some tips to help you trade smarter.

Define Your Investment Objectives

If you want to be a successful trader, having a sole idea of your end goal will be pivotal and will significantly impact your trading behavior and future success. Setting goals will help you decide what you get from trading, whether long-term growth, short-term gains that can be quickly turned around, or a mix of both. Once you’ve decided on a trading strategy that you want to use moving forward, it’ll be a lot easier to find a pattern that works for you and is sustainable long-term, which is where tools like TradingView can come in very helpful.

Diversify Your Portfolio

Being overly leveraged in a particular direction could spell disaster for your future in trading, ending it before it’s had a chance to begin. Diversifying your portfolio is a term used to describe traders making sure to have investments in various sectors or industries, some of which may compete with one another. This means that should one of your investments go badly wrong, you’ll be able to survive because you have investments elsewhere that can prop up your portfolio as a whole.

Monitor and Act Accordingly

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Your portfolio could easily become unbalanced, affected by market conditions beyond your control. This is why monitoring your assets and being able to act decisively is essential, but this isn’t an easy skill to master, and it will take time to get this right. Rebalancing involves selling stocks that have outlived their usefulness or maxed out, freeing up capital that can be used to invest in other stocks that are undervalued and have high-growth potential.

Set Stop-Loss Orders

While this may seem like a no-brainer when it comes to acting sensibly and with a clear sense of direction, many traders neglect this aspect of trading because they don’t think the unthinkable could happen. Stop-loss orders will help you offload assets that suffer from a sudden drop in value, helping protect your portfolio by ensuring that it doesn’t become flooded with low-value assets that will be much harder to liquidate. It might take time to research, but it’s certainly worthwhile.

Stay Informed and Analyse Data

It’s been said before that knowledge is power, which is more accurate than ever in the world of high-stakes trading. It’s easy to stay informed about the latest trends and developments in trading. Still, the real skill is knowing where to look to get the most effective information before anybody else. Make sure to use social media to find out about the latest developments in real-time and follow people who are most likely to have exclusive track news that could have a considerable impact.

Avoid Emotional Trading

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The worst thing you can do is act impulsively when trading, so if you’re ever feeling upset and overwhelmed, it might be a good idea to step away from the computer and give yourself a break. As well as not trading when you’re overcome with emotion, it’s also important not to let fear and greed influence your behavior, as this will often result in you making decisions that you would not typically do. Staying disciplined and in control is one of the best things you can do to be a successful trader.

Keep a Trading Journal

Organisation is crucial, and keeping track of your activity is a surefire way to make decisions that will have a much better impact on your trades in the long term. Many seasoned traders use their trading journey to keep track of the trades they make and note the circumstances around them so they can reflect on these and analyze them later. Self-reflection is a compelling trait for traders, and if you can do this successfully, you’ll be able to make much smarter decisions moving forward.

Knowing how to manage a portfolio will put you in excellent stead, as it’ll help you remain disciplined and develop the ability to make smarter decisions in the long term. There are many different skills that you can sharpen to become a better trader, but by making these small changes, you should see an increase in the profitability of the trades you place.