MoneyDigest - Personal Finance, Lifestyle, Money Saving Tips

How to Make the Most of Your Singapore Public Holidays in 2024

Travel enthusiasts listen up! Planning your calendar for the year ahead involves more than just noting important events and birthdays; it also means strategically utilizing public holidays to maximize your leisure time. Let’s dive into the public holidays for 2024 and explore how you can make the most of them.

The following public holidays in 2024 are worth highlighting:

1. Good Friday (29 March 2024): Falling on a Friday, this holiday presents an excellent opportunity for a long weekend getaway. Plan a short staycation or indulge in some much-needed relaxation.

2. National Day (9 August 2024): Another Friday holiday, National Day is an ideal time to celebrate Singapore’s heritage and enjoy the festivities. Explore local events, catch a fireworks display, or organize a gathering with family and friends.

3. Second day of Chinese New Year (11 February): Although this public holiday falls on a Sunday, it is worth mentioning as it provides an extended weekend. Take advantage of this time to immerse yourself in the rich cultural traditions and vibrant celebrations of Chinese New Year.

4. New Year’s Day (1 January 2024) and Hari Raya Haji (17 June 2024): Both these holidays fall on a Monday, offering an opportunity to plan a long weekend trip or engage in activities that rejuvenate your mind and body. You can even plan a short trip to BKK, JB, or Batam.

5. First Day of Chinese New Year (10 February): Celebrate the arrival of the Lunar New Year by participating in traditional customs, enjoying festive cuisine, and spending quality time with loved ones. Because the first and second days of Chinese New Year fall on Saturday and Sunday, the following Monday (12 February) will be a public holiday. Thus, your family can enjoy a long weekend of three days.

6. Hari Raya Puasa (10 April 2024), Labour Day (1 May 2024), Vesak Day (22 May 2024), Deepavali (31 October 2024), and Christmas Day (25 December 2024): These Wednesday holidays provide many opportunities to unwind, reflect, and engage in leisure activities that interest you (e.g., movie watching or outdoor cycling).

Image Credits: mom.gov.sg

Now, let’s address the important matter of remuneration for work done on public holidays:

A. Employees covered by the Employment Act are entitled to 11 paid public holidays as mentioned above. However, employers and employees may mutually agree to substitute a public holiday for another working day to accommodate specific circumstances.

B. Employees who are required to work on a public holiday are entitled to an extra day’s salary at the basic rate of pay, in addition to their gross rate of pay for that day. This recognizes the extra effort put in by employees during public holidays.

C. Employers also have the option of granting time-off-in-lieu, based on a mutually agreed number of hours, for employees who work on a public holiday. This provision applies to workmen earning more than S$4,500 a month, non-workmen earning more than S$2,600 a month, and all Managers and Executives. It allows employees to take time off on another day as compensation for working on a public holiday.

Image Credits: unsplash.com

As you plan your travels or leisure activities for the year, keep these public holidays in mind. Utilize them wisely to relax, explore, spend quality time with loved ones, or engage in activities that bring you joy and rejuvenation. Remember, strategically planning your leaves from work around these public holidays will help you make the most of your time off in 2024.

Sources: 1 & 2

5 purple numbers to wear to Korea because Seoul’s landmarks are turning purple in June 2023 for BTS

As the vibrant city of Seoul prepares to celebrate BTS’ 10th anniversary in June 2023 by transforming its iconic landmarks into a sea of purple, there’s no better time to flaunt your love for the K-pop sensation in style.

Let’s take a look at 5 eye-catching purple numbers that will not only help you pay the ultimate tribute to your favorite K-pop band but also ensure you fit in among the picturesque purple backdrops.

Get ready to make a statement while exploring the stunning sights of Seoul!

Danice Floral Skorts in Purple

Price: $38.90 or 3 payments of $12.97 with atome

Step up your purple-style game with The Stage Walk’s Danice Floral Skorts in Purple. Made from beautiful cotton eyelet and featuring delicate floral embroidery, these skorts are a non-sheer fully lined design with pockets at the sides and an asymmetrical overlap front. They also come with a concealed back zip. Pair it with a cropped top for an effortlessly chic ensemble—perfect for your upcoming summer trip to Korea.

Melanie Elastic Waistband Flare Maxi Skirt

Price: $46

Get ready to set sail for the high seas of ARMY fashion with Love & Bravery’s Melanie Elastic Waistband Flare Maxi Skirt. This skirt is made with premium linen blend fabric and features a comfortable elastic waistband and hidden side pockets. Lined with smooth polyester, it’s designed for comfort. The versatile flare style is great for strutting around on your casual day out in the land of kimchi.

Chamomile Embroidered Babydoll Dress

Price: $48.90

Get your cuteness overload with this adorable baby doll dress from Fayth. Transform into a dainty doll with this ultra-feminine dress that has a square neckline, puff sleeves, and detailed floral embroideries for extra charm. The double bow accentuates the sweet babydoll silhouette and comes with functional side pockets to complete your look. Get yours now in pretty pastel periwinkle.

Philippa Cotton Ruffle Maxi Dress

Price: $59 or pay 3 installments of $19.67 with ShopBack PayLater

Slip into this lilac dress that’s apt for capturing that whimsical, carefree vibe. Crafted from comfy material, this sweeping maxi creation showcases a flowing trapeze shape and an effortlessly chic scoop neckline. Enhanced with elegant panel accents and customizable slider straps, this charming piece offers both style and practicality. Fully lined and adorned with convenient side pockets, prepare to be the epitome of poise among your fellow ARMY troops.

Marcelyn Linen Utility Pants

Price: $59

Embrace your practical side with these effortlessly stylish and versatile pants, ideal for the eco-conscious BTS ARMY fashionista. Made using lightweight, breezy 100% linen, these trousers boast a soft, tailored structure that’s perfect for staying cool on warm days. With belt loops and generously cut straight legs, these pants are the embodiment of functional chic. The oversized flap pockets add a fashionable touch while providing ample “storage space”. What’s more, the environmentally friendly linen material proves that you can look great and be kind to the planet at the same time!

Embracing the purple wave sweeping through Seoul in June 2023 for the BTS celebration is a fantastic way to immerse yourself in the vibrant spirit of the city and its love for the K-pop phenomenon. These 5 stunning purple outfits under $60 will not only help you pay homage to your favorite K-pop band but also make you feel stylish and confident as you explore the picturesque cityscape. So, go ahead and don these eye-catching ensembles with your fashion staples as you make unforgettable memories in the heart of the BTS fandom.

5 hair mists you can buy from $11.95 to give your hair a lasting fragrance

In this post, we will be exploring a list of hair mists and their magical ability to keep your locks smelling fabulous, even in Singapore’s sweltering heat and humidity.

We’ve handpicked 5 incredible hair mists that not only provide a lasting fragrance but also protect and nourish your hair, keeping it fresh and vibrant all day long.

So, without further ado, let’s dive right into these aromatic wonders and see how they can transform your hair game on our sunny island’s challenging climate.

Prices reflected are accurate at the time of writing.

HERBAL ESSENCES Coconut & Aloe Hair Oil Blend

Price: $11.95 (was $17.05)

Expertly crafted to revitalize, soften, and quench the thirst of parched locks, this dual-phase oil blend unites the finest qualities of active antioxidants, soothing aloe, and nourishing botanical oil in a single, potent formula. Working its magic as a damage-repair hair oil, this exquisite blend leaves your tresses looking healthy and radiant with a mesmerizing shine. Transform your hair care routine with this lavish concoction.

LIESE Styling Oil Mist

Price: $15.05

Make this your ultimate ally for effortlessly taming those pesky flyaways and tangled locks with just a spritz or two. Boasting a non-sticky, feather-light formula that dries in a snap, this delightful mist envelops your hair in a fresh bouquet aroma. Attain silky, manageable tresses with a naturally soft finish, making it the ultimate companion for your daily hair care routine and those bad hair days.

FEKKAI Clean Stylers Prime Mist Serum

Price: $20

Presenting a whisper-light priming mist that readies your locks for styling, safeguarding them with hydrolyzed pea protein and pampering them with the nourishing and conditioning powers of argan and coconut oils. Revel in the ease of styling, the longevity of your looks, and the newfound health of your tresses. This nourishing hybrid spray hails from the Clean Stylers Collection and is delicately scented with an invigorating fusion of citrus, watermelon, sea salt, and white musk.

BEYOND Argan Therapy Hair Mist

Price: $22

Introducing to you a luxurious elixir that transforms dull, parched tresses into lustrous locks brimming with vitality. This wonder potion is infused with nourishing Moroccan argan oil, macadamia oil, and monoi oil—a powerhouse trio that delivers intense hydration and keeps your hair looking radiant for longer. Experience the ultimate hair-pampering session with this all-in-one bottle of pure goodness!

DRYBAR Sparkling Soda Shine Mist

Price: $48

Want a sublime hair mist that tames those unruly flyaways, static, and frizz without weighing your tresses down? Perfect for all hair types, this divine mist bestows a radiant shimmer and boasts UV absorbers that protect your hair color, keeping it vibrant and fade-resistant. Infused with mandarin peel for an even, natural gleam, and marigold flower extract for long-lasting brilliance, this mist is a true hair savior. The addition of camelina oil hydrates and enhances elasticity, while the enchanting white willow fragrance, with hints of amber, coconut, and vanilla, elevates your senses.

As you’ve discovered, achieving mesmerizingly fragrant tresses doesn’t have to break the bank. With these 5 enchanting hair mists at less than 50 bucks, you can indulge in a sensory experience that leaves your locks smelling divine and feeling refreshed. Advance your hair care routine and make an unforgettable impression wherever you go with these affordable, luxurious hair mists. Treat yourself and your tresses to a lasting, aromatic affair from today!

Should working adults give their parents monthly allowances?

A very sensitive topic, huh?

But one that should be discussed.

After all, the journey into adulthood is not a walk in the park.

As you make your way into the working world and start earning your keep, it makes you wonder if you should provide financially for those who brought you into the world.

In our little red dot, there’s an unspoken expectation that working adults must provide monthly allowances for their parents.

But really must meh? Is there a right or wrong answer? Let’s see.

Cultural expectations around filial piety

In Singapore, there’s a deep-rooted expectation of filial piety.

It’s almost an incontestable social value here—especially in the older generations where they think their children must provide for them.

However, we’re now seeing new expectations among younger generations when it comes to filial piety. And IMO, there’s really nothing wrong with it.

At the end of the day, whether you prefer buying gifts, taking your parents out for weekly meals, or giving them monthly allowances, you do what’s best for you.

The financial realities of many young working adults today

Do you know that a study done by the Citi Foundation-SMU Financial Literacy Programme for Young Adults 2 years ago has shown that 1 in 3 young adults in Singapore are not confident in managing debt?

Many people in their 20s don’t think about budgeting and managing their finances, let alone helping out their parents with an allowance.

This lack of financial understanding can be attributed to a few factors.

For one, education hasn’t provided sufficient preparation for handling money.

Another is that these young adults have not taken the time to research and understand the complexities of budgeting and money management when heading out into the workforce.

It’s easy to assume that if you’ve got your first full-time job, you should be able to start helping out your parents immediately.

But it’s important to remember just how difficult that can be if you don’t know a thing about money management.

Have an open conversation about expectations

That said, knowing what your parents expect from you and understanding what you can afford are important aspects to consider. It’s difficult, no doubt, but it’s essential to reach a compromise.

If your parents’ expectations are out of line with what you can afford, there are options for bridging their expectations and the reality of your financial situation.

For instance, maybe you could suggest splitting costs like utility bills and groceries?

Image Credits: straitstimes.com.sg

Or you could explore other solutions, like sending money once every 2 months or providing help in other ways such as running errands or helping with chores around the house.

The idea is to meet halfway, somewhere.

Set a budget you can afford for monthly allowances

If you can afford a monthly allowance for your parents, good.

But first things first, allocate budget percentages based on your expenses, savings, and debt (I hope it’s just a student’s debt ya).

This will help you determine the limit of how much you can spend each month by calculating your “take-home” after CPF deductions.

If your expenses are greater than your income, start by cutting down unnecessary spending or look for ways to make extra money.

You can also let your parents know that you will increase their allowance as your income grows.

Make compromises to find a solution that works for your family

Every family’s budget is different so I can’t tell you what you should or should not do.

And while you may feel obligated to give your parents a monthly allowance, sometimes it’s just not practical based on your current financial status.

But don’t worry—you can still come to an agreement that satisfies both sides.

Here are some tips:

If you have siblings, discuss among yourselves to share the responsibility of monthly allowances for your parents.
If you’re all working adults, talk about how much each one of you can contribute towards the financial welfare of the family.
For only-child cases, see if there are any items or bills that you can chip in and take away from the burden of your parents first.

Alternative ways to show gratitude to your parents

It doesn’t always have to be about money.

More so if your parents are still in the workforce, have a hand in investing, and earning more than you do.

There are other ways to show them you’re thankful to them for bringing you up. For instance, spending time together.

Make time to chat with them regularly or visit them in person if you’ve already moved out.

Taking the initiative to remember important dates like birthdays and anniversaries can be a way to express your love too.

Or you can organize bi-weekly dine-out dates with the old folks. Zi-char style; anything goes!

Image Credits: asiaone.com

The decision to give a monthly allowance to your parents is a personal one. No “outsider” has the right to tell you what’s “right or “wrong”. So take time to decide if you can afford to give your parents a monthly allowance, and if it’s something you feel comfortable doing in the long run. If you can, it’s worth considering, but if you can’t, speak to your parents about it and find alternative ways to “make up” for it.

Latest WFH internships posted from 22 to 25 May 2023

Are you ready to jumpstart your career from the comfort of your home?

Welcome to our latest WFH internship series, where we explore work-from-home internship opportunities posted from 22 to 25 May 2023.

As remote/hybrid work becomes the new norm, companies are adapting and offering incredible opportunities for aspiring professionals to gain valuable experience without stepping (much) foot into an office.

So if you’re ready to roll, let’s go.

#1: Singapore International Film Festival – Partnerships & Development Intern

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A post shared by Singapore Int’l Film Festival (@sgiffest)

Website: sgiff.com

Allowance / Remuneration: $600 monthly

Job Qualifications

At least a final year student or a Diploma in Arts Management, Media, Mass Communications, Marketing, Business, or equivalent.
Excellent written and verbal communication skills in English. Fluency in other languages is a plus.
Comfortable with social media, and managing company guidelines on the use of social media.
Driven, proactive, able to work independently, and yet a good team player.
Organized, detail-oriented, and able to meet deadlines.
Confidence in interacting with all levels of people.
Able to work independently.
Proficiency in graphic design (Photoshop/Illustrator) and/or basic video editing skills are an advantage.
Some events experience will be an advantage.
Interest in film and/or the arts is preferred.

Key Responsibilities

Assist the Partnerships & Development Manager and Executive in research for the Festival’s sponsorship and partnership strategy
Assist in the communication and fulfillment of sponsorship entitlements and deliverables promptly.
Support the team in the smooth running and execution of all sponsor-related and fundraising-related activities and events.
Provide administrative support for the individual donor and sponsorship database.
Provide administrative support for invitations and RSVPs for events with sponsor invitations or tickets.
Providing administrative support in tracking all entitlements and benefits for sponsors, partners, fundraising, and individual donors.
Support in creating visual communication and social media posts for SGIFF’s individual donor program and sponsor fulfillment.

How to apply?

View the job post in full here and send your CV, a picture of yourself, and two references, to enquiries@sgiff.com by 9 June 2023.

#2: Vintedge Pte Ltd – Data Analyst Intern

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Website: vintedge.com

Allowance / Remuneration: $1,000 monthly

Job Qualifications

Familiar with analytic and reporting tools (eg. Power BI)
Advanced usage of Microsoft Excel and/or Google Sheet
Analytical with strong ability trends from raw data
Strong interest in user behavior analytics
Bachelor’s degree in Business Analytics, Data Science, Mathematics, or equivalent

Key Responsibilities

Prepare data from scratch to unfold the untold relationships
Extract value worth its weight in gold from logic and rules in operating analytics and reporting software
Craft and design marketing and business ROI dashboards
Dip your hands into user behavior analytics

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

#3: Pixl Solutions Pte Ltd – Software Testing Intern

Website: pixl.world

Allowance / Remuneration: $800 – 1,200 monthly

Job Qualifications

Understand test requirements, test methodologies, and test strategies.
Good communication skills and strong pressure resistance.
Attentive, conscientious, responsible, collaborative, and diligent work ethic.

Key Responsibilities

Responsible for Cross-platform software testing.
Responsible for system function testing, compatibility testing, UI testing, product documentation testing, etc.
Write test cases and execute tests according to the requirements documents, and output test reports.

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

#4: Talula Hill Farmer’s Box – Business Development Intern

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A post shared by Talula Hill Farm (@talulahillfarm)

Website: talulafarm.com

Allowance / Remuneration: $500 monthly

Job Qualifications

–

Key Responsibilities

Launch their Shopify store! (they’ve grown out of WordPress)
Product Development to improve product market fit with existing customers
Social Media Marketing to improve storytelling of farmers to their customer base

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

#5: Klook Travel Technology – Intern, Partnership And Affiliates, Influencer Marketing (6 Months)

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A post shared by Jaime Teo (@jmeteo)

Website: klook.com

Allowance / Remuneration: $800 – 1,000 monthly

Job Qualifications

Outgoing and enthusiastic personality – Love talking to people!
Comfortable working with numbers and Excel sheets

Key Responsibilities

Play an active role in collecting insights for Klook’s Kreator Program targeted at influencers via user research and survey groups
Invite influencers to be a part of Klook’s Kreator Program
Participate in account management and acquisition initiatives targeted at content writers
Data tracking and analysis to measure the success of influencers and content writers

View the job post in full here and apply 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.