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5 skincare gift sets under S$50 you can consider for the yearend season of giving

This year hasn’t been great for many of us, and the yearend celebrations would probably be slightly different. Amid the pandemic, Marina Bay Singapore Countdown 2021 organisers said on Thursday (Nov 5) that there will be no fireworks display at Marina Bay on New Year’s Eve. Oh well, it’s indeed better to be safe than sorry with the virus still lurking around.

But don’t be disheartened! We read that fireworks will still be available at various heartland locations islandwide. More details to come as we take a step closer to December. And talking about the yearend, let’s not forget to keep up with the spirit of giving. With everyone tightening their belts this year, we’ve put together five skincare gift sets under S$50 for your consideration.

Get them as a present for yourself or your loved ones!

#1: Clinique Merry Moisture

Price: S$19

We will roll with the most affordable option, Clinique Merry Moisture at just S$19. The set consists of a Moisture Surge™ 72-Hour Auto-Replenishing Hydrator (1oz/30ml) and a Chubby Stick™ Moisturizing Lip Colour Balm in Mega Melon (0.04oz/1.2g). The hydrator contains hyaluronic acid and aloe water to give skin the power to rehydrate itself. At the same time, the lip balm nourishes lips with vitamin E, mango, and shea butter.

#2: Innisfree Winter Glow Skin Set Holiday Edition

Price: S$26

Next up on our list, we have the Winter Glow Skin Set Holiday Edition (70ml) from Innisfree. This skincare trio comprises of the Jeju Green Tea and Jeju Orchid essentials you need for moisturised glowing skin. The packaging is a collaboration with Steven Harrington, an LA-based artist and designer known for his cheerful and contemporary, psychedelic pop-aesthetics. Let Harrington’s signature quirky illustrations delight the festivities!

#3: Sephora Collection Wild Wishes Tropical Skincare Set (Limited Edition)

Price: S$26

With the same budget at S$26, you can also consider the Wild Wishes Tropical Skincare Set (Limited Edition) by Sephora. The selection of masks boasting a variety of different ingredients, textures, and benefits come in a limited-edition tropical design pouch. To be exact, you will get five types of masks, including a mud mask, grape face mask, pineapple nose mask, green clay mask, and an açaï smoothie mask.

#4: Origins Mask Merry Skincare Set (Limited Edition)

Price: S$36

Similar to our previous listing, Mask Merry Skincare Set by Origins has five must-have masks. Original Skin™ gently exfoliates and refines pores while the Drink Up™ Overnight infuses skin with 72-hour hydration. The set also includes Dr Andrew Weil for Origins™ Mega-Mushroom to soothe the look of visible redness. Lastly, the Clear Improvement™ Active Charcoal Mask detoxifies, and Charcoal Honey gently purifies pores and nourishes.

#5: Laneige Mini Sleeping Mask Set

Price: S$46

To round up our list of skincare gift sets under S$50, we have the Laneige Mini Sleeping Mask Set at S$46. The collection includes the well-known Water Sleeping Mask (25ml), Lavender Water Sleeping Mask (25ml), and Cica Sleeping Mask (25ml). The overnight masks will restore your skin’s liveliness, giving you a well-rested appearance the next morning. Bring either one on your staycations or your upcoming yearend trip to Hong Kong!

May your upcoming Merry Christmas be filled with lots of love and laughter.

How to practise mindful worrying when you have 1,001 thoughts to think about

At the time of writing, COVID-19 cases have crossed over 47 million, with more than 1 million deaths. This period has indeed been more than a nightmare for many of us, and we think it’s apt to say that 2020 is a year filled with worries.

Health uncertainties, job losses, and constant changes contribute to the 1,001 thoughts we think about. If you find yourself worrying for most of the day, maybe gaining a tip or two from Dr Jenny Taitz, a clinical psychologist, might help. Here’s how to practise mindful worrying.

#1: Observe the thoughts that don’t empower you

Image Credits: Freepik

More often than not, we find ourselves feeling dejected after spending some time indulging in our worries. Dr Taitz rightly points out that while we can’t choose what shows up in our minds, we can observe the thoughts that don’t empower.

When a thought like skywriting appears, immediately decide if it’s worth dwelling on. Ask yourself if there’s a solution to solve the problem. If yes, go ahead and take action. If no, stop. Also, be completely aware that this action does not equate to ignoring your worries.

We also understand that sometimes our thoughts get so loud it’s hard to stop thinking about them. Should you face such a situation, maybe turning your attention to watching a short video clip might be useful to help you get back on status quo.

#2: Carve out time to think over things

Image Credits: Spillwords

Remember that we’re not asking you not to worry. Instead, we’re offering advice on how to practise mindful worrying. Thus, it’s essential to plan a time to worry about things. Sounds ridiculous? Probably yes at first glance but there’s more than meets the eye.

By setting aside a specific time to worry, it can significantly cut hours of intrusive worrying. Dr Taitz shares that scheduling worry is a practice that hinges on behavioural science. It encourages self-monitoring and is a step towards breaking the all-day worry habit.

Rather than switching between half-attended-to thoughts and day-to-day activities, having a ‘worry time’ can be a form of exposure therapy for anxiety. Over time, you will learn to acknowledge that your thoughts and feelings come and go.

#3: Details on planning a ‘worry appointment’

Image Credits: Medium

With regards to allocating a time to think over things, Dr Taitz advises her clients not do it right before bed or first thing in the morning, particularly for people who tend to wake up in fear or with anxiousness. Start with a session or two of 15-minute ‘worry appointments’.

Decide the specific topics (such as financial or health concerns) for worrying to make sure you thoroughly deal with the possible range of worries. While distressing, write them down and ponder if you’re able to solve them by taking practical steps.

After the ‘worry appointment’ is over, leave whatever leftover thoughts to the next session. Should your mind start playing tricks, and you find yourself close to entertaining those pop-up worries, tell yourself, “It’s OK, you don’t have to do this right now.”

#4: Be fully present outside of worry periods

Image Credits: sg.theasianparent.com

Dr Taitz suggests some useful tips to help us stay fully present outside of worry periods. You can schedule rituals like leaving your phone at home before heading for your daily walk or savouring your breakfast without checking the news or replying emails.

Take a study led by two psychologists at the University of California, Los Angeles, for reference. Two groups of participants were asked to listen to a recording on focused breathing and one that provoked worrying respectively.

After the listening exercises, they were then given negative images to view. Compared to the group who listened to the recording on focused breathing, the participants from the worry group responded more negatively.

From this study, we can conclude that worrying is energy-draining than compared to putting our focus on the present. According to Dr Lizabeth Roemer, a professor of psychology at the University of Massachusetts Boston, our minds act on habit. Even in pain, let’s help our minds to cope by practising mindful worrying.

We can do it!

These 10 skincare habits will help you achieve your beauty goals in no time

When it comes to skincare, many of us are clueless. Based on hearsay, sometimes we commit skincare regime mistakes and then blame it on bad genes. While skin condition may be hereditary, it also takes effort if you want to achieve flawless skin.

Here are 10 skincare habits that will help you achieve your beauty goals in no time.

#1: Get enough shuteye

A consultant dermatologist, Dr Stephanie Ho, shares that your sleep quality affects your skin’s age. Poor sleep quality may weaken its ability to repair itself from damage such as sunburn. Thus, be sure to get enough rest, ideally a good one at night.

#2: Faithfully apply sunscreen

Image Credits: Depositphotos

According to Dr Ho, prolonged exposure to sun rays result in the early formation of pigmentation, wrinkles, and dryness. All these can lead to initial signs of ageing. To counter it, be sure to include sunscreens in your skincare routine.

#3: Use the right products

Expensive products don’t always do the trick. Manman Chong, education director for Asia at French skincare company Caudalie, points out that using the wrong products might aggravate existing skin problems and conditions. Seek professional help if you’re unsure.

#4: Remove makeup thoroughly

Image Credits: Business Insider

Not correctly removing makeup might result in your pores clogging over time. Makeup artist Clarence Lee recommends us to choose a good cleansing oil. Save time and money since now you do not need to buy separate makeup removers for the eye, lip, and face.

#5: Clean your makeup tools

Talking about makeup, Lee advocates using clean tools. Even if you do not share them with others, bacteria can still form over time due to a certain level of moistness in our makeup products combined with the skin’s natural sebum.

#6: Leave that pimple alone

Image Credits: theogeeclinic.com

Dr Ho remarked that popping pimples does not solve the underlying problem and may lead to infection and even scarring. If you’re facing acne problems, book an appointment with a dermatologist to receive proper topical treatments or oral medication.

#7: Hydrate sufficiently

If dryness, flakiness, and reduced suppleness of the skin is what you detest, then keep up with proper hydration. Dr Ho recommended about 2.7 litres of water for women and 3.7 litres for men. Alternatively, when you feel thirsty or spot a darker urine colour, it’s a sign to drink up.

#8: Go easy on exfoliation

Image Credits: Foreo

In short, exfoliation is not for everyone. Especially for people with sensitive and dry skin, overdoing it can cause inflammation and itchiness. It’s also wise to check your current skincare products for substances like retinoids or benzoyl peroxide.

#9: Give products time to work their magic

Chong suggests giving 28 to 56 days (or four to eight weeks) to decide if a particular skincare product is working for you because healthy skin regenerates in 28 days. Also known as ‘cellular turnover’, it plays a crucial role in bringing out your product’s effectiveness (if any).

#10: Avoid hot water for face wash

Image Credits: Brit + Co

Using hot water for face wash can irritate and strip the skin of natural oils. The ideal water temperature should not be too high or too low since extreme temperatures affect our vulnerable facial skin. Chong proposes using lukewarm water of about 30 degrees Celcius instead.

UOB partners Shopee to offer customers greater value as they shop online

Partnership comes as more customers are shifting their buying online; online campaigns such as 11.11 and Black Friday expected to boost online spend

United Overseas Bank (UOB) and Shopee have signed a Memorandum of Understanding (MOU) to offer customers more value when they use UOB’s flagship UOB One Credit or Debit cards to make purchases on Shopee’s online marketplace.

The MOU is timely given the surge in online spending this year. Since the start of the year, spend on retail purchases made online by UOB cardmembers has grown close to 50 per cent year on year. In the second quarter of this year when Singapore underwent a circuit breaker period to contain the COVID-19 pandemic, spend made online surged 69 per cent compared to the same period in 2019.

Even as businesses begin to resume operations from July, online spending continues to increase as customers take to the ease of shopping online. Among UOB cardmembers, Shopee has been their preferred choice, with spend made on Shopee outpacing other popular online marketplaces in 2020. For example, spend at Shopee made by cardmembers of UOB’s flagship cashback credit card, the UOB One Card tripled between 2019 and September 2020.

Given the popularity of Shopee among UOB One Cardmembers, the MOU partners have signed up to offer exclusive deals and cash rebates of up to 10 per cent when customers charge their purchases on Shopee to their UOB One Card. The partnership comes as e-commerce campaigns such as 11.11 and Black Friday are expected to draw in more customers looking for value as they shop online.

In addition to exclusive privileges for UOB One Cardmembers, the MOU partners will also explore the use of data analytics and APIs to personalise the customer experience as they shop online and to offer digital payment options that are relevant to the consumer, such as using reward points to offset their purchases.

This could also lead to initiatives such as the integration of Shopee’s features on UOB’s all-in-one mobile banking app, UOB Mighty or vice versa.

Ms Jacquelyn Tan, Head of Group Personal Financial Services, UOB said, “At UOB, our focus is always on how we can make our customers’ purchasing journey simpler, smarter and safer. We have been expanding the exclusive partnerships for our flagship credit card, the UOB One Card, to serve the lifestyle needs of our consumers. Today, UOB One Cardmembers can enjoy exclusive privileges when they shop at any Dairy Farm Group brands, hail a ride or order food delivery with Grab or pay their utilities bills with SP Group.

With Shopee on board as a long-term partner, we now have the largest partner ecosystem in Singapore to enable our customers to derive greater value as they shop online. We are also excited to embark on our commitment with Shopee to explore and to design innovative processes, solutions and services to drive the adoption and usage of online retail and digital payments.”

Mr. Zhou Junjie, Chief Commercial Officer, Shopee, said, “Shopee’s priority has always been to deliver our users with memorable and unique shopping experiences. We utilise a data-driven and hyper-localised approach to cater to consumer needs, resulting in campaigns, offerings, and partnerships that evolve in tandem with ever-changing user demands. Being a proudly homegrown company ourselves, we thus see great synergy in partnering with UOB, one of the largest local banks in both Singapore and Asia, to explore new ways of deepening user engagement. This timely partnership coincides with one of our largest shopping events – the Shopee 11.11 Big Sale – giving us the opportunity to not only bring users the best shopping experience possible, but to also connect, inform, and inspire consumers all across the region.”

Beginner’s Guide To Setting Up An Emergency Fund

WHAT IS AN EMERGENCY FUND?

An emergency fund consists of the money you set aside to cover large, unexpected expenses. It serves as your cushion to save you from drowning into debt and other unfortunate events. It can be used for unforeseen medical expenses, home appliances replacement, automobile repairs, and managing unemployment.

HOW MUCH MUST I SAVE?

When you are starting to build your emergency fund, it is important to value what you have. No matter how small, every dollar counts. Focus on the habit and consistency of saving money. When your financial situation improves, you can increase your savings.

The right amount for you depends on your financial situation, but a good rule thumb is to have enough money to cover your living expenses for six months. If you lose your job during pandemic, you can use your emergency fund for necessities while you hunt for a new job. You can also use the money to supplement your small business. Start small and increase your savings as your financial situation improves.

WHY SHOULD I TRACK MY INCOME AND EXPENSES?

Tracking your income and expenses enable you to get a realistic view of your financial situation. It can pinpoint the amount that is sufficient to cover your living expenses for six months. You can track your cash flow by writing down how much money comes in every month and by writing down your fixed and variable expenses per month.

Do not forget to include recurring expenses such as your rent, utility bills, school fees, and childcare.

WHERE SHALL I PUT MY EMERGENCY FUND?

You can put your emergency fund inside a savings account with a high interest rate and an easy access system. Since an emergency can strike at any time, having quick means to access your funds is crucial. However, you must keep your emergency funds away from your primary bank account. This will help lessen the temptation of dipping into your reserves. Moreover, having a high interest savings account enables you to reap the benefits of compound interest.

HOW CAN I PLAN OUT MY EMERGENCY FUND?

Establishing financial goals and developing a plan to achieve those goals go hand-in-hand. Part of your plan may include specific and realistic targets to work toward. For instance, you may save S$50 per week to put into your emergency fund. Once you have created a robust plan, make sure you follow through.

Sticking to your plan can sometimes be the hardest part of saving for an emergency fund. A good way to stay on track is to save automatically. You may automate your savings and set up a systematic transfer from your primary savings account to your “emergency fund” savings account. Alternatively, you may keep a money jar and label it with: “for emergency use only”.

Sources: 1 & 2