Ninja Ways To Earn Money While Vacationing

Taking a much-deserved vacation is supposed to be relaxing. However, traveling on a tight budget can reduce the excitement. It does not matter if you get paid vacation leaves! Planning for a trip is an expensive undertaking. Money should be placed in a practical position whereby you can still pay for your bills when you come back home. Earning money while on a vacation can be a simple solution to your financial woes.

Ninjas are warriors known for their speedy and sneaky attacks. Much like a ninja, you may earn money in the fastest way possible by following these tips.

SELL YOUR PHOTOGRAPHS

The Internet has a plethora of websites that buy and sell stock images from public users. Fotolia is one of the websites where you can make money by selling your digital photographs. Simply upload your best photos for the approval of the website’s administrators. Once your photos have been approved, it will be added to the marketplace where individuals or businesses can buy them.

You earn royalties which can vary from a few cents to a couple of dollars every time your photos are downloaded. Please be warned that Fotolia is closing on November 2019. Use it will you still can!

CLEAN YOUR CLOSET

While I was packing for my Bangkok getaway, I noticed how much clothes I should clear out. I remember the sleeveless tops and jeans that I no longer wear. Instead of tossing these, I can donate or sell some on Carousell. Carousell is an app that will enable you to connect to many local buyers. It can provide you a venue to negotiate with your potential buyer to get the best deal.

You will not have to worry about it while you are away. When you come back, you will be able to cash in on all of your offers and send all of your items.

SIGN-UP FOR REWARDS

Before jetting off to your dream destination, consider making an appointment to your nearest credit card issuer. Sign-up for travel-driven credit cards to reap its benefits. Some cards, like Citi PremierMiles Visa Credit Card,
will give you sign-up bonuses and points for every travel (e.g., 2 Citi Miles per S$1 on overseas travels).

Continue using said card to accumulate more points leading up to a better cash back experience. Who knows? Your next trip might be free!

Image Credits: pixabay.com

There are many ways to earn money with little to no effort at all. Do your research and stick to what you are good at. Have fun on your exciting trip!

Source: popsugar

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How To Fuel Up Your Money After Vacation

With a burnout heart, my friends and I decided to go on a week-long vacation to Bangkok. We have been working so hard for the past months that our bodies craved for a break. There is nothing wrong with giving yourself a reward from time to time. We all need and deserve it.

However, you may hit a financial iceberg when you go overboard. This happens to many Singaporeans who are on a vacation. They think that they can throw caution out of the window and spend like there is no tomorrow!

During our trip, we maximized each day by going to several tourist attractions from day to night. We spent more money than our perceived expenses. After our week-long sabbatical, I decided to fuel up my funds.

STEP # 1 – EXAMINE THE DAMAGE

As with everything, the first step is awareness. Find how much your vacation has cost you. Accept the fact that you cannot undo the expenses you have drained while you were on a vacation. You cannot bring back the time you bought a new sarong to comply with the temple’s dress code! While you cannot take back the S$200 you spent in a posh bar, you must still know how much you spent during your trip.

Ask yourself the following questions:

a. How much did I spend on a daily basis?
b. How much is my credit card bill?
c. Can I afford to pay in full?
d. When will my next paycheck arrive?
e. Will I need to take some money from my emergency fund?

You may not realize how overwhelming your financial state is while you were on a vacation. So, now is the time to see the total damage. Knowing where you stand financially can help you to recover with ease.

STEP # 2 – TAKE NECESSARY ACTION

After identifying the financial holes, it is time to take action. Rewrite your budget in accordance to your current financial situation. Allot a portion of your funds to repayment of your credit card bills or lost savings. Make things easier by downloading budgeting apps such as Mint.

During the recovery period, you must do your best to tone down your spending. Eliminate or cut down optional expenses for the next few months. Dine out less and take fewer trips to the shopping malls. Minimize your spending by steering away from temptations! Do not worry about bending down as your financial diet will not last forever.

You may also earn money by taking up a part-time job. Get extra money without sacrificing your main source of income.

STEP # 3 – LEARN FROM MISTAKES

You have learned your lesson by facing its consequences. The next time you go on a vacation, you will know better. Use what you have learned to strategize your itinerary. Perhaps you can dwell on experiences rather than buying too many souvenirs for your family. In Bangkok alone, souvenirs start at S$5. Besides, these souvenirs may end up as clutter in someone else’s home. Do not get me started with the overpriced food in tourist spots!

Before going on a vacation, you can start writing down a budget that will include your expenses and a cushion (i.e., emergency funds). I remember when we were shocked by the S$215 boat ride in the Floating Market. I had to withdrew more money on that day. Providing a travel cushion can prevent this. Stick to the budget as much as you can!

Image Credits: pixabay.com

There are many ways to fuel up your overused wallet such as creating a new budget or eliminating optional expenses. Follow these tips to recover financially from your vacation splurge! Ensure that going overboard does not happen again.

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6 Credit Card Do’s & Don’ts

DO NOT SPEND WITHOUT CONTROL

Let me start by saying that you must not spend more than what you can afford. Remember that credit is a loan, which is meant to be repaid. It is your responsibility to stay on top of your debts and to keep your commitment with the lenders. Maintain your control by avoiding the credit limit of your cards.

DO CHECK YOUR CREDIT HISTORY

Reality check! Credit cards with premier rewards and terms fall down to candidates with the best credit. This is why it is important to see your financial circumstance in the eyes of an issuer. Consider getting a credit report, before availing a credit card. Keep your eyes peeled to some errors!

Image Credits: pixabay.com

DO NOT PICK AN UNSPECIFIC CARD

Much like a box of chocolates, credit cards exist to embody different functions. Some are used for travel miles and others are used for shopping rebates. You must figure out which credit card suits you best! Compare credit card options from different issuers, before making a grand decision.

DO KEEP UP WITH YOUR STATEMENTS

To reap the benefits of your credit cards, you must fully pay for your statement each month. Not paying the full amount entails acquiring interest. The interest that you will be paying for will just cancel out any benefits that you are meant to receive. Moreover, paying off your statement each months ensures that you stay out of debt too.

DO NOT GIVE YOUR CREDIT CARD INFORMATION AWAY

As much as you trust a partner or a friend, you must not give your credit card information to someone else. It may entice this person to use it against the law. Say that you lent your credit card to a co-worker. While some cashiers do not check NRIC these days, you will never know when someone will ask for it. You would not want to be entangled with a “fraudulent” scene.

Image Credits: pixabay.com

DO MEMORIZE THE ISSUER’S HOTLINE

A credit card offers an additional layer of protection than a debit card. Debit cards only offer the pin numbers as protection. You see, credit card companies often have a department that follows up on reports of fraudulent charges. Things will be taken cared of, if you quickly report a stolen credit card. Thus, you must know the no-cost hotline of your credit card issuer.

Sources: 1 & 2

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Save Up To $82/Month On Delivery Fees With Grab’s Food Plans

If you love GrabFood (like we all do!), you are in for a treat with Grab’s latest offering.

Food Plans are subscription plans under GrabFood that are designed to help subscribers achieve massive savings automatically.

For a limited time only, subscribe to Grab’s Free Delivery Subscription Food Plan and save up to $82 on delivery fees in a month.

Arnold’s Fried Chicken on GrabFood

What Is The Free Delivery Subscription Food Plan?

Order the Dian Xiao Er’s Signature Herbal Roast Duck on GrabFood

For only $7.99/month, you will get 30 free deliveries per month under the Free Delivery Subscription Food Plan. Given that GrabFood’s delivery fee averages about $3 per delivery, the Free Delivery Subscription Food Plan can deliver (pun intended) massive savings of up to $82 per month! In case you are curious, here’s the math:

  • $3 X 30 Free Deliveries – $7.99 (Cost of Subscription of Free Delivery Subscription Food Plan)

Furthermore, as an added convenience for GrabFood user, subscription plans are also auto-renewed monthly. This smooth and hassle-free process ensures that you do not miss out on any savings. Not to worry, subscribers can cancel anytime they change their mind.

Toast Box’s Drumstick Braised Pork Rice

Limited-time Launch Promo Giveaways

As part of Food Plan’s launch promotion, you get to save EVEN MORE when you subscribe today! A total of $15 worth of GrabFood vouchers:

  • 1X$5 off (with min. spend of $10)
  • 1X$10 off (with min. spend of $20)

will be given away as part of the launch promotion. These vouchers will be credited into your account instantaneously upon confirmation of subscription.

How To Subscribe To Grab’s Food Plan?

  1. Launch the Grab App and tap on your Profile Picture
  2. Select ‘Subscriptions’
  3. Scroll to find ‘Food Plans’ & tap ‘View Plan’
  4. Select ‘Free Delivery Subscription’ and tap ‘Get This Plan’
  5. Tap ‘Confirm’ to subscribe after you have checked your payment details
  6. You will find the vouchers awarded to you instantly!

Wait no more and sign up for GrabFood’s Free Delivery Subscription Food Plan to save up to $82 of delivery fees in a month!

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Rise And Fall Of Sembawang Music Centre

Remember the time when cassette tapes and CDs were a big deal? Well, the popularity of stereo and portable CD players came with the massive impact of Sembawang Music Centre (SMC).

Before we reminisce the existence of this local legend, let us go back to the birth of the CD. The CD is often times attributed to inventor James Russell who used multiple optical mediums. However, it was finalized in the 80’s when Sony and Philips created the famed “Red Book” standard. The standard follows a 120mm diameter disc with music at a resolution of 16 bit/44.1kHz. To many, this is still regarded as the optimal digital standard. This newly revamped CD made its way to the greater public in 1983.

It makes sense why Sembawang Music Centre reigned supreme in the 1990’s to early 2000’s. From cassette tapes to CDs, music enthusiasts of the yesteryears were satisfied with the collection of SMC. It is a mainstay in the music retail industry with an operation spanning for more than two decades. Students often save up every cent of their allowance to buy an album or two!

Image Credits: straitstimes.com

It got its name from the shopping centre from which it started – the Sembawang Shopping Centre. In its humble beginnings, it stored some of the most rare music finds. It made every weekend a musical treasure hunt for adolescents and adults alike. During its peak, it had about 26 outlets in Singapore! Several outlets were found in Raffles City, Thomson Plaza, and Plaza Singapura. Having decent locations were not enough to avoid its downfall! The digital wave in the music industry made retail stores like SMC obsolete. You can buy almost any song from iTunes, stream your favorite playlists in Spotify, or download illegally at no-cost from various websites.

Image Credits: pixabay.com

People like to listen to music and they like it now! The convenience that digital music platforms can offer led to the diminishing popularity of physical music retail stores. As a result, Sembawang Music Center filed for bankruptcy and eventual closure in 2009. SMC, you will always be a part of Singapore’s musical history.

Sources: 1 & 2

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