MoneyDigest - Personal Finance, Lifestyle, Money Saving Tips

Do Not Tell These Money Statements To Your Kids

There are some financial issues and information that you shall just keep to yourself.

1. “Your Dad makes more money.”

In a dual-career household, you shall refrain from pointing out which parent earns more than the other. Putting a distinct label on the breadwinner signifies that one’s contribution is more important than the other. It is better to highlight that the two of you work as a team in order to cultivate a brighter future.

2. “Your uncle owes us S$5,000.”

You may be infuriated that your brother has not paid his debt. Sure! S$5,000 is a decent amount of money, but you shall not get your children involved in this issue. Children usually mirror the reactions and emotions of their parents. Telling your daughter that her uncle owes you money may ignite hatred or uncomfortable feelings toward him.

It is an admirable thing to warn your children about the risks of lending money. However, you must use an example that is too close to home.

3. “I spent a lot of money for your gift.”

Most children do not mind the cost of your gift. They simply want to relish the excitement that the act of receiving brings. To an innocent child, there is no difference between a bespoke and a store-bought cake. It is still a sweet dessert!

Putting a price on a gift (i.e., high/low or cheap/expensive) can just change their perceptions. Teach your children that the value of the gift is not always reflected on its price tag.

4. “I am broke.”

Have you ever noticed that some of our adult conversations are exaggerated? Children are less likely to absorb our subtleties in communication. Imagine you uttered these words: “I am broke.” Your young offspring may misunderstand what you just said due to your choice of words. Avoid declarations of financial disaster.

Instead, it is important to give your children reassuring messages. You may say that you have to wait a week until the pay day comes.

5.”Do not tell your Daddy/Mommy that I bought this.”

Your devotion to your spouse does not stop after having kids. Make it a point to discuss about your spending habits and future goals. If you are about to purchase something that you want to conceal for now (e.g., a surprise birthday present), do it at your own time. Do not use the vulnerability of a child as an escape.

If you encourage a child to lie to the other parent, it increases the likelihood of dishonesty. It sends a message that spending money is merely a shameful act. All these wrong signals can be prevented by you.

6. “I dislike going to work.”

No matter how tired you are of answering demanding calls or how much you hate your boss, you shall not verbalize these thoughts when your child is around. Complaining about these negative aspects of the job can make your child feel anxious about the future.

Opt for sharing the aspects that you enjoy the most about your job. What makes your work fulfilling and interesting? Dwell on that. Save the serious talk until she or he reaches maturity.

7. “We cannot afford to buy that.”

After spending a few hundreds on the grocery store, it can be confusing to tell your child that you cannot afford to purchase a toy. He or she may think that you spent all your money on groceries or that you have no more money for the important things. Turn this situation around by teaching your children about the importance of prioritizing and delayed gratification.

You may say something along these lines: “Please put that toy back. We do not need it right now. If you really want to buy it, you have to save up for it. I can help you!”

Image Credits: pixabay.com

As with most aspects of parenting, it is best to lead as a positive example to your children. Choose your words wisely.

Sources: 1 & 2

Delicious And Affordable Places For Korean Barbecue In Singapore

Who does not love the flavorful goodness of the Korean BBQ? I, for one, go crazy for this cultural trend.

Luckily for us, we can satisfy our appetite without having to travel to Korea.

1. DAESSIKSIN

Do me a favor and close your eyes. Imagine that you are strolling with your friends in the lively streets of Hongdae, Korea. You are hunting for a casual dining experience that will satisfy your appetite for marinated meat. As you open your eyes, you realize that you are still situated in Singapore. Fortunately for you, there is a place where you can enjoy an all-you-can-eat Korean BBQ dining experience. This place is none other than Daessiksin BBQ Buffet.

Image Credits: facebook.com/daessiksin

Daessiksin is under the wings of the Singaporean restaurant chain – Ministry of Food. It offers about 10 types of meat with varying taste. Some may be overly marinated, while others seek to boost the meat’s character. It is best to try it all before getting a significant amount to consume.

The buffet price starts from S$14.90++ per person.

Location: 277 Orchard Road, #03-17 Orchard Gateway, Singapore 238858

2. SSIKKEK BBQ

Meat lovers with a tight budget, let us unite! Students adore devouring the generously marinated meats at Ssikkek BBQ. Guests are welcomed with deep trays of fresh pork, beef, and chicken. Side dishes (e.g., kimchi, potato salad, and seaweed soup) and condiments are also available to even out your meal. You can reap all these with a little over S$14.

Image Credits: facebook.com/ssikkekbbq

What you can expect to have at Ssikkek is your ability to cook the meat to suit your desired quality. Simply, you are your own chef! The friendly staff is willing to help you shall you need assistance. The only downside to this place is its relatively long queues.

Location: United Square, 101 Thomson Road, #B1-15/16/17 Singapore 307591

3. 2D1N SOJU BANG

2D1N Soju Bang Korean Restaurant holds a special as it was the very place that introduced me to the wonders of Korean BBQ. My friends and I had a spontaneous trip to Tanjong Pagar one day. As expected, it took as about an hour to queue for a table. Waiting was fine with us because chairs were provided outside.

2D1N marries reasonable prices with authentic Korean flavors. This is not a place for lavish side dishes and condiments as it is primarily focused on various well-marinated meat. Aside from the meat, the staff is incredibly attentive. Both the tables and the aluminum sheets are quickly cleared in order to cater to the diners’ needs.

Image Credits: https://www.facebook.com/182625808419372/photos/a.1329308733751068.1073741826.182625808419372/1407579632590644/?type=3&theater

Image Credits: https://facebook.com

You can get free-flowing meats, seafood, vegetables, fruits, and drinks for approximately S$20 per person. It is not a bad deal if you ask me.

Location: 44/46 Tanjong Pagar Road, Singapore 088467

May this guide aid your journey to locating the best Korean BBQ in town!

5 Affordable, Last-Minute Valentine’s Gifts

Tomorrow is February 14. Let us be honest! Most of us wait until the final hour to polish our gifts for Valentine’s Day. Fortunately for you, it is not too late to cook up a gift that is both sweet and cheap.

Scroll down below for valuable inspirations:

SWEET SEVEN DAYS

Image Credits: thedatingdivas.com

Do you remember the weekly medicine containers or pill boxes, which were scattered in your grandparents’ house? Purchase a few to create a simple craft. Start by filling the containers with your partner’s favorite treats. Try hitting up the dollar store or the nearby Daiso to get a cheaper deal.

Afterwards, attach these printable notes from the Dating Divas. A certified sweet-tooth will adore this charming gift.

LOVE IN A COOKIE

Who can resist the tantalizing aroma and the unique taste of the (world) Famous Amos? I sure cannot!

Famous Amos dedicated its resources to serve fresh products to Singaporeans since 1983. Their freshly baked cookies helped me to overcome the challenging days as a university student. Now, its cookies can help you survive Cupid’s holiday. Buy their personalized heart-shaped cookies. It comes prepacked in two sizes namely small (about S$13) and medium (about S$25). Choose a size that suits your lover’s preference.

THE PERFECT PEN

Image Credits: sassymamasg.com

For your husband or boyfriend who is fond of scribbling (or showing off his pen), you may present the new Pilot Metropolitan Retro Pop. The Pilot Metropolitan Retro Pop fuses the traditional fountain pen to several modern patterns. You have up to 6 vibrant looks to choose from.

The 20-dollar pen is available at Tokyu Hands. What are you waiting for? Grab it while you can.

BEE MY VALENTINE

Some people are extremely particular about their cosmetics and skin products. Take the safer route by leaning towards all-natural products. Let name drop a brand, which I swear by.

Burt’s Bees, a cosmetics company available at Sephora, manufactures its products using natural ingredients. What’s more? These products are packaged using recycled materials. Create a cute card by topping it off with the phrase “Bee my Valentine”. Plaster a 10-dollar signature Burt’s Bees lip balm to add embellishment to this card.

RELAXING “ME TIME”

The best way to reward your workaholic lover is by giving the present of an enjoyable bath time filled with relaxing fragrance. Achieve that by making bath bombs that are similar to the ones sold at the shopping malls. Make different types of bath bombs with this tutorial.

Image Credits: pixabay.com

If you are really short of time, just purchase a box of bath bombs at Lush Singapore.

5 Entirely Free Ways To Maximize Your Small Flat

Flats ranging from 45 to 110 square meters are popular among the Singaporean masses. These spaces may be considered as tiny to some people. But, small is highly subjective (besides my height). Making your space livable comes down on how well you can divide the function of your rooms or how well you can store your things.

On that note, here are 5 Entirely Free Ways To Maximize Your Small Flat:

USE A TRUNK

Avoid spending hundreds of dollars on a bedside or coffee table by using an old trunk. Ask your mother and other relatives if they have a trunk to spare. A trunk not only provides an additional storage space, but it also acts as a neat conversation starter.

It is recommended to place the trunk in the living room or in an accessible area. Put all your DVD collection, magazines, console controllers, and games inside the trunk. This way, you do not have to “flip your home” when the guests arrive.

CREATE VISUAL DISTRACTIONS

Visual distractions give off an illusion of bigger space. Welcome the beaming rays of the sun by keeping the curtains open. Then, you may disrupt the unified order of your furniture by fixing them diagonally. The diagonal order can help to make room for more.

Image Credits: pixabay.com

INCREASE THE USE OF YOUR SPACE

Until you can realistically afford a spacious flat, you must mold your rooms to a variety of purposes. Your clutter-free dining table can double as a home office. While, your living room can transform into a play area for your children. Do not forget to store the toys in a single box after using it.

KEEP EVERYTHING CLEAN

In contrast with massive spaces, you can easily notice the clutter exposed in smaller spaces. Why is this so? For starters, you can discretely put away your unwanted items in various shelves. You cannot do that with limited spaces!

Smaller spaces take less time to clean. That is the upside! Get things in order by allocating at least one hour each week. Make this an automatic cleaning regimen so, you can have the rest of your time to relax.

OPT FOR MONOCHROMATIC

Say your next stage in renovation is choosing the colors of your walls. Consider the underlying mechanics of Color Psychology. Unified color scheme helps to maximize your space as it creates a relatively “open” look. When your walls are divided by several colors, people can easily spot the “start” and “end”. Thus, consistency conceals the limited space.

Image Credits: pixabay.com

Sources: 1 & 2

Great ways to make Valentine’s Day special

The big day is coming. 14^th of February is one of those days that doesn’t leave anyone indifferent. We either love it or hate it. And our attitude isn’t always the result of our relationship status – it’s the fact that we either want to conform with certain standards of behavior or not.

If you’re one of those people who appreciate the power of love on that particular day, this is the text for you. No matter how much money you have on your hands, there are ways you can razzle dazzle your partner on the 14^th of Feb and beyond. Read on for some dating ideas for V’Day.

Dress to impress

You know best what your clothing style is and even if you’re a tomboy, you can always do something to look extra special on that day. If you’re looking for a dress that will make his jaw drop, there’s no point in buying it at its regular price, since you’re not going to have much use of it throughout the year. You can look in places like Picodi Sale that specializes in showing you discounted clothes any woman can afford. Not looking for new clothes? No problem, invest in lingerie that will give you more confidence and make the night more fun.

Eat to impress

It’s no surprise that most people like to go out to eat on Valentine’s Day. Certain foods are considered to be aphrodisiacs, which means they raise your libido. Chocolate ganache will help you relax, while shrimp cocktail can inspire you to be more sensual. Remember to book your table beforehand, because on that particular night, eateries are full from early afternoons until late nights.

You can always decide to stay in your apartment and engage in cooking together. Look for a great recipe, buy everything upfront and prepare a nice bottle of wine. Start cooking a bit earlier and have everything ready for his or her arrival. Remember to have a playlist of great hiredts ready for dancing, or a film to watch

Entertain to impress

If you don’t think fancy restaurants and gourmet meals are for you two, you can easily create romantic atmosphere wherever you go. Some people just like to have fun and KKday has prepared various types of experiences for two. You’ll be able to visit a film studio, view underwater wildlife, go to Garden by the Bay or see animals from all over the world in the famous Singapore Zoo.

(Source credit: www.abetterflorist.com)

Flower to impress

It’s always nice to show your partner love and you don’t need to restrict yourself to Valentine’s Day. However, this article is all about the celebration on the 14^th of Feb so if you’re looking for the right bouquet, check out places like A Better Florist. It gives you an opportunity to order flowers online, which saves you plenty of time. Any woman would love to receive flowers on Valentine’s Day and if you want to save a bit (hush, hush, we won’t tell anyone!), Picodi offers discount codes and promotions for you to use. Don’t wait for her to give you hints – be proactive and you’re guaranteed success.

Pretend to impress

Old married couples don’t always remember what it was like when they celebrated their relationship. They tend to forget about things like passion, butterflies in their stomachs and the willingness to get to know the other person. You can, however, easily bring that spark back by pretending you don’t know each other. Simply recreate your first date or go on a whole different one. You’ll see why exactly you fell in love with each other and be able to see your ‘old ball chain’ in a completely different light. Worth a shot!

The most important thing to remember, though, is that you should celebrate love throughout the year. Use V-Day as an inspiration to be with the other person more, show them your appreciation. It’s the company that matters the most, and all the other things and ideas are just an addition to your relationship. Have your Valentine’s Day every month and you’ll never be alone on any other day in your life.

Search the site