MoneyDigest - Personal Finance, Lifestyle, Money Saving Tips

3 Affordable Online Pet Stores Offering The Best Services In Singapore

George Eliot once said: “Animals are such agreeable friends – they ask no questions; they pass no criticisms.”

Animals are creatures that love us genuinely without judgment that even words cannot describe the bond we form with our pets. Most of the times, the loyal and affectionate bond formed goes way beyond the “master and pet” relationship that people treat them as members of the family.

With that special bond, you only want what is best for your pet. This is why it is extremely important for you to find a store that sells the right food, accessories, and pet care products. Look no further, as this list will give you four of the best online pet stores in the country. Furthermore, these prices are inclusive of GST already (no hidden costs yay!).

1. DOGGY FRIEND

Doggy Friend maybe one of the cheapest online pet stores out there but their services are optimum. Looking at their user-friendly website that is easy to navigate, I saw a wide range of dog and cat food brands. You will definitely find a product and price that suits you best.

Doggy Friend, as a company, focuses on pet supplies such as clothing pieces, toys, dental accessories, and food supplements. Currently, they are having promotions on food including: Bow Wow Treats Mix N Match: 3 for $10 and Special Dog Wet Food (400g) for S$2.55. While their ongoing online sale is mainly on toys including: Qoo Santa Pet Toys for S$2.50 and JU-BE Bowling Pin for S$6.

Image Credits: facebook.com/Doggyfriend-1460708560842852/timeline/?ref=page_internal

And if you want to give a present for your pet loving friend but you do not know what to get him or her, you may buy a Doggy Friend gift certificate instead. Their gift certificates range from S$10-S$50.

Website: doggyfriend.com.sg

2. PETS’ STATION

One of the pet stores that date way back is Pets’ Station. From a family business that emerged in 1969, Pets’ Station had rapidly expanded over the years. With over thousands of products available at competitive prices, you can expect a variety of premium pet supplies that are exclusive to their shop alone. What is special about Pets’ Station is that they offer grooming services (for as low as S$45) and sell cute pets too at their 7 physical stores islandwide.

Are you eager to browse through their products? Then, grab the chance to participate in their warehouse sale this coming Saturday and Sunday!

Image Credits: petsstation.com.sg

Website: petsstation.com.sg

Outlets: 7 store locations

3. KOHE PETS

Where else can you find an online shop that is convenient, easy to navigate, accessible, and offers free samples?

Yes your read that right! Kohe Pets online shop regularly offers free samples for their products so you will find it easier to decide the perfect treat that your pet will truly like.

Furthermore, Kohe Pets has a huge selection of more than 2,500 reasonably priced products ranging from the popular brands to the unique brands that are hard to find in Singapore. Their focus leans more on healthy and whole pet foods. According to testimonials, their deliver is swift as customers receive their orders usually on the next day.

Image Credits: facebook.com/kohepets

Lastly, Kohe Pets are always generous with their promotions that some items are set to 20% off or Buy 1 Get 1 Free scheme!

Website: kohepets.com.sg

Sources:1 & 2

3 Times Color Significantly Affected Your Spending

Whenever you are out to shop, you see wonderful colors from the lightest to the darkest shades. The sale signs are bright red, the shopping bags are shocking yellow, and the labels are resonating the rainbow. Did you know that these colors are strategically placed to influence the way you spend?

Colors can impact one’s spending because the sight of it automatically stimulates you and increases your memories, color-motivated behaviors, and social influences. Here are three situations when color significantly affects your finances:

1. RIGHT SHADE FOR YOUR CAR

Burgundy is a shade of red that is often associated with wine. Cars with this color are usually more expensive that their white counterparts as burgundy exude luxury and refinement. Furthermore, red is a difficult color to see at night when people’s visions are somewhat distorted. Be careful as this may lead to involvements in accidents.

On the other hand, a white colored car has numerous benefits.

But before discussing this, I must acknowledge the existence of the age-old debate of whether white and black are colors. According to the available online resources, white is an achromatic color composed of all the frequencies of the light of the visible spectrum. While black is a color when you are referring to the coloring agents of tangible objects. For example, if you combine the primary colors using paint, you would get a shade of black.

Going back to white as a color for your car…light colored cars have better petroleum mileage because you can stay cooler without the use of air conditioning. Painting your car white can instantly lower the interior heat. Also, it is easier to see by other drivers at night.

2. ATTRACTIVE PACKAGING OF BEAUTY PRODUCTS

You enter Sephora and you see their in-house brand of lipsticks in sleek black tubes. Don’t they look expensive? Even if these lipsticks cost less than other brands they seem more upscale because of the color they come in. In packaging, black signifies sophistication.

Image Credits: pixabay.com (License: CC0 Public Domain)

Another color that can push people to spend more on beauty products especially the anti-aging ones is purple. Purple signifies royalty. This is why people are often convinced that there really are special properties inside the “purple box” and they are willing to pay more for it.

3. APPETITE-ENHANCING COLORS

From the logos to the interior, two colors seem to stay at almost every fast food chains. These two colors are red and yellow. Red and yellow stimulate appetite, which probably explains why your stomach starts to make noises as soon as you see the yellow arches or the red logo. And, you cannot resist spending more inside.

Image Credits: Mike Mozart via Flickr (CC License)

Interestingly, you can combat how colors affect the way you eat by controlling your own plate. Researchers at Cornell University found that when they reduced the contrast in their plates and tables or in their plates and the food itself, people tend to serve themselves less food. For example, to eat less, pair your white plate with your white table-cloth or a blue plate with a blue table-cloth.

Sources: 1,2, 3, & 4

CIMB Bank Launches Online Savings Account that Earns 1.0% p.a. Interest Effortlessly

Designed with the digitally-savvy, time-starved working professional in mind, CIMB Bank Singapore has today announced the launch of CIMB FastSaver – an online savings account that not only frees customers from the hassle of being physically present at the branch for account application, it also surpasses many other savings accounts in the market with the 1.0% p.a. interest rate it is offering.

Payable from the first dollar, the high interest rate of 1.0% p.a. applies to the first S$50,000 without imposing on the customer a myriad of other mandatory conditions including chalking up a minimum monthly spending on one’s credit card, performing a certain number of banking transactions, etc. Beyond the first S$50,000, a 0.6% p.a. interest applies on the remaining deposit balance. As long as S$1,000 is maintained in the CIMB FastSaver account on any given day, interest will be paid on the daily balance and there will be neither monthly fee nor fall-below fee regardless of the total deposit amount.

Created for maximum simplicity and ease, the new CIMB FastSaver also allows customers to do away with branch banking completely by conveniently applying for the account online via www.cimbbank.com.sg/fastsaver. Upon submission of the application, the customer will receive their account number instantly – onscreen and via email. Thereafter, they can easily use FAST (Fast and Secure Transfers) via Internet banking to transfer the minimum deposit of S$1,000 instantaneously from their account with another bank into CIMB FastSaver to start earning interest. Doing away with the need for queueing at the bank to carry out transactions, CIMB FastSaver provides customers with easy access to view their account and perform transactions anytime and anywhere via CIMB Clicks Internet Banking or CIMB Clicks on Mobile.

Coreen Kwan, Head of Retail Banking at CIMB Bank Singapore said, “As one of the world’s highest penetrated markets for Internet and mobile usage, it is no surprise that online banking is fast becoming a norm in Singapore. The introduction of CIMB FastSaver thereforeenables us to bring greater ease and convenience to our customers who prefer to bank from the comfort of their own home or on the go. Furthermore, we are able to pass on the savings achieved from the reduced operational costs at the branch by rewarding customers with an attractive 1.0% p.a. interest – a rate that’s practically unheard of in Singapore today for a basic savings account, without multiple conditions to fulfil.”

For new customers who sign up for a CIMB FastSaver account by 31 October 2015, CIMB Bank will further reward them with cash credit for their initial deposit amounts: S$10 for S$1,000, S$50 for S$10,000 and S$100 for S$25,000. To qualify for this promotion, customers need to transfer the required minimum initial deposit amount into CIMB FastSaver within seven calendar days after account opening. The qualifying deposit amount must also be maintained for a minimum period of six months.

For more information on CIMB FastSaver, customers can log on to www.cimbbank.com.sg/fastsaver or call CIMB At-Your-Service at +65 6333 7777.

Visit http://cimbbank.com.sg/pdf/fastsaver.pdf for full terms and conditions of the promotion.

8 Telltale Signs That You Are Seriously Devoted To Online Shopping

Almost every human soul on Earth loves shopping! Who does not appreciate the rush they get while picking the perfect outfit? Then, a few decades down the road came the Internet. Marrying these two resulted to the growth of E-commerce and online shopping, especially in Singapore.

In 2014, a website called Flipit found that 50% of E-commerce traffic in Singapore came from the mobile devices. The accessibility to efficient Internet connection in our country led more and more people to shift their buying power online. With famed websites such as Zalora, Qoo10, Taobao, Lazada, and Rakuten, there has been an ongoing debate whether traditional physical stores are losing their appeal.

Previous Paypal research showed that the size of Singapore’s online shopping market reached S$1.1 billion in 2010 and it is forecasted to hit S$4.4 billion by this year. The elevated power of E-commerce has two sides namely: positive and negative. Positively, it brings convenience as it can save one’s money and time. Negatively, it brings susceptibility to serious devotion and addiction.

On that note, here are the 8 Telltale Signs That You Are Seriously Devoted To Online Shopping:

Image Credits: pixabay.com (License: CC0 Public Domain)

1. If you open your bag or purse, you will see a bunch of deposit slips from different online shops.

2. Most of the time, you would have an open tab in your browser with a full shopping cart waiting for you to pursue your purchase.

3. Every minute of your free time in home and work is spent scrolling through Instagram, Carousell, and other online retailers.

4. Your daily routine will not be complete without doing rounds of browses through your favorite online shops to see their new arrivals and sale items.

5. You receive packages via mail that you forgot you once ordered.

6. You get uncomfortable and anxious when you think about shopping in physical stores.

7. Your heart races when you read an email announcing that the online ship has an ongoing sale.

8. You bought the same thing twice by accident.

Image Credits: pixabay.com (License: CC0 Public Domain)

If more than 5 signs apply to you, perhaps you should re-consider your online shopping habits along with the other 1.2 million Singaporean online shoppers (i.e., above the age of 18 years old only) out there!

Source: 1, 2, & 3

6 Genius Hacks You Can Use At Grocery Stores

Grocery stores, like any other businesses, are looking for ways to make profit. This is why they have used strategies and psychological obstacles to entice customers to put more items in the basket. Combat those strategies by knowing the genius hacks shared by store employees, food experts, and industry analysts. Here are several of them:

1. BE AWARE OF SENSORY STIMULATION

Imagine the smell of baked breads mixed with the fresh smell of flowers. Very enticing to the senses, am I right? This is why newly baked goods and fresh flowers are placed near the front door. The goodness of smell will surely make you feel hungry, and keep your mood up! Furthermore, bright colors will inspire you to purchase more.

2. LISTEN TO UPBEAT MUSIC

Some supermarkets play relaxing music that can help slower down one’s heartbeat and later on lead to more purchases (i.e., about 29% more). An inexpensive way to beat this trick is to listen to upbeat music with your headphones or earphones. Grocery shopping never sound this good!

3. BULK IS NOT ALWAYS BETTER

Consumers think that when they buy something in bulk, they end up having a better deal. But, that is not always true. For example, individual avocados are always cheaper than grouped ones.

Image Credits: pixabay.com (License: CC0 Public Domain)

Be vigilant and analyze the total price first.

4. KNOW THE BEST DAYS TO SHOP

Imagine a crowded supermarket on weekends – the queues are longer and the products are nearly running out. It makes you want to grab more of what you need before the stocks are gone. Researchers examined this phenomenon and they found that consumers tend to purchase more in crowded days because they subconsciously want to be a part of the group. Forget belonging-ness, Mondays and Tuesdays are the best days to shop!

5. KNOW THE BEST TIME TO BUY MEAT

Determine the time when your butcher marks down the prices of meat and purchase accordingly. Usually it is between 8 to 10 am but the timings depend on the operating hours of your local supermarket.

6. TRUST YOUR ROUTINES

Look at your last grocery receipt, chances are, approximately 80% of those items were the items you bought a week ago or the week before. It is good to trust your routines by having the previous receipt along when you shop. With that receipt, you can tell when something is on sale. That is when you must stock up.

Image Credits: pixabay.com (License: CC0 Public Domain)

Shop smarter and save more! 🙂

Source: 1

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