MoneyDigest - Personal Finance, Lifestyle, Money Saving Tips

How To Stay Healthy Despite of The Terrible Hazy Conditions

Our air quality worsened on Monday due to the shift in the prevailing winds that brought denser haze from Sumatra. In fact, the 24-hour Pollutant Standards Index (PSI) entered the “unhealthy” range last Sunday according to the National Environment Agency.

For your knowledge, a PSI reading of 0-50 is okay, 51-100 is moderate, 101-200 is unhealthy, 201-300 is very unhealthy, and 301 and beyond is hazardous. At the time of writing, the 24-hour PSI readings from 1am-12am today ranges from 148-184. Yes! That is certainly unhealthy.

Short-term exposure to unhealthy haze can cause irritated eyes, runny or stuffy nose, dry or sore throat, headache, and fatigue. In some cases, it can even affect one’s heart and lungs that higher PSI readings can cause breathlessness.

So, how do you stay healthy despite the haze?

You must wear the N95 mask to ensure full coverage when you breathe. But, the best way is to stay indoors (with an air purifier and air conditioner) as much as possible!

While staying inside the walls of your home, you do not have to spend money or sulk in boredom. You can enjoy playing video games, board games, and a bunch of other activities like…

1. LEARNING SOMETHING NEW FOR FREE

Upgrade your knowledge and skills with the quality online resources that are available for free. There are two websites that I am fond of namely: Khan Academy and Code Academy. Khan Academy offers a myriad of courses and exam preparation modules. While, Code Academy offers classes in 6 different programming languages. You can definitely complete the course and be well versed in several programming scripts!

2. EARNING EXTRA MONEY

Use your free time to earn extra money by selling your underused and unwanted items on Gumtree or Carousell. Then, spend more time by cleaning up your closets and drawers in the process.

You may also complete some online surveys and get compensated with cash or redeemable rewards in websites such as My Survey and SurveyCompare.

3. QUALITY TIME WITH THE FAMILY

Lastly, use this valuable time to enjoy the company of your family. Catch up on the lives and the latest projects of every family member and indulge on a great session of cooking, games, or movies. These kind of moments are best spent with the ones you love. 🙂

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

Sources: 1, 2, & 3

The Future Of Money: No Paper Currencies And Plastic Cards

Money is an integral part of our lives. Its birth dates back to the beginning of the civilization. Now, money is viewed as a legal tender generally consisting of paper currency and coins. Time and technology paved a way for money to transform beyond its value. Interacting with money is far different from when we traded thousands of years ago.

In fact, a decade ago, I never thought that digital currency in the form of bitcoins will ever occur. Bitcoins can only be made by mining, which is done by solving complicated mathematical problems. Also, bitcoins are capped so that no one can ever create an unlimited supply of it.

Interestingly, the designers at a global design firm called Method envisioned the future of money in different ways. These are just three of their ideas:

1. MONEY AND PHYSIOLOGY

Method looked at what can happen when you connect your physical well-being to your purchases. They designed a toothbrush that would harvest hormonal data from one’s saliva twice a day. This said data would sync to your spending habits through an App. The App would give you an idea about the items you are buying and why you are buying them. Thus, this can help explain and monitor your spending.

2. MONEY WITH A PERSONALITY

Method took the futuristic concept further by give money a personality. Five employees were assigned with digital personalities such as Mindful, Jealous, Hedonistic, Adventurous, and Frugal. For example, the employee with the Adventurous personality would fork over half of his salary and invest it in cryptocurrencies for a week.

3. MONEY AND PUBLICITY

If your payments were publicize, what would you do? Well, designers at Method were asked to note and broadcast their every purchase! Once an employee buys something, he or she is required to post it on Instagram no matter how embarrassing it may be. Yes! Since it can be very uncomfortable, they started to share their purchases anonymously. But, the effects were still the same. People knew that they are being watched so they modified their behavior to become more interesting and to seem socially acceptable.

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

Aside from these futuristic ideas, how do you envision money…5 or 20 years from now?

Sources: 1 & 2

Must Read: Simple Money Hacks To Improve Your Financial Life Now

You deserve to achieve understanding, awareness, and especially control over your life. Everyone does. And, “Psychology Of Love, Money, & Life” book might just be the answer!

Money is one of the book’s three sections. Adding the Psychological factor, you will be able to realize that money has effects on your well-being and that you can control its effects. You hold your financial present and future!

So, take a peek inside some of the valuable tips you can get from the #PLMLBook…

1. GAIN PLEASURE FROM MONEY THROUGH ANTICIPATION

If you want to gain positive feelings toward your spending then, ensure that you always have something to look forward to. Let us say you get a raise, treat yourself by buying the designer bag you have been wanting for months. The anticipation of purchase, no matter how small the item is, can increase pleasure enormously.

2. SAVE UP FOR TRAVEL FUND

If you are in a Long Distance Relationship, it can be very expensive. Which is why it is essential to follow a strict budget to save up for your travels. Be responsible enough to spend your money only to what is necessary.

3. SHALL YOU BUY IT OR NOT? STOP THINKING! TAKE THE SWIFT TEST INSTEAD.

When you are thinking twice on purchasing an item especially an article of clothing, ask yourself if you are willing to try it on the dressing room swiftly at that particular moment. If there is no sense of immediate excitement, do not bother to buy it.

4. ONE SIZE MAY NOT FIT ALL

Everybody’s financial situation is unique to the person so, be wary of the “one-size-fits-all” investment strategies from media’s financial gurus. Many factors such as your consumer personality, financial goals, age, etc. should be considered. This is why it is best to listen to your personal financial adviser instead.

5. AVOID THE STATUS QUO BIAS

As I was looking for a new laptop online, my choice leaned towards the brand that I’ve been using for 4 years – the MacBook. Although its competitor had touch screen, 360 bendable monitor, and it’s running on the new Windows software that enables you to download countless of Apps. Certainly, for functionality, the latter was the best choice but I still preferred Macintosh.

This cognitive bias is called the status quo bias. It occurs when you are more likely to prefer the product that you know more of even if there are better options available. Changing your buying habits to avoid this cognitive bias start with the awareness!

Image Credits: misspsychobabble.blogspot.com

Psychology of Love, Money, & Life is now available on Google Play Books, Kobo, Amazon (Kindle), Apple IBooks, and M1 Learning Centre. Find the platform and price that suits you best!

This is written by Anna Agoncillo. She graduated under Cardiff Metropolitan University (UK) with Honors. Combining her passion for psychology and writing, she started a successful blog called “Miss Psychobabble” and has contributed to other platforms including Bored Panda, Psychology Matters Asia, Thought Catalog, Money Digest, and so much more.

4 Stand-out Hobbies You Shall Put In Your C.V. To Elevate Your Employability

You may think that the “hobbies and interests” section in your Curriculum Vitae (C.V.) is rubbish but, it is not! Often underestimated by many, a good hobbies and interests section has several benefits.

First, this section gives you the opportunity to manifest your endearing personality and characteristics. Second, it allows you to support your working experience and claimed skill set. Third, it helps you create smooth conversations with the interviewer. And lastly, it helps the interviewer decide if you are culturally fit in the company you are applying for.

With all these in mind, here are the 4 Stand-out Hobbies You Shall Put In Your C.V. To Elevate Your Employability…

1. PARTICIPATING IN TEAM SPORTS

If you participate in any team sports then, do not hesitate to include it in your C.V. or resume. Team sports show your capacity to work with others in the pursuit of a goal. Furthermore, it shows that you are able to commit and learn from your mistakes. These qualities are particularly desirable in industries that need interpersonal relationships and great teamwork.

2. WRITING

An interest in writing (i.e., through making your own poetry website, writing a book, managing a blog, etc.) gives emphasis on your communication skills and creativity. These strengths are desirable in the application of editorial and public relations positions.

Aside from this, most often than not, your interviewer will be Google-ing you before your interview. And, having your own blog or website will give you an edge over others. In fact, based on personal experience, I had come to more than two interviews wherein they would compliment how interesting and how eloquent I am in my blog. From search engine optimization to social media management and language skills, having your own creative writing hobby boosts your image and offers a peek inside your beautiful mind.

3. GOING TO MUSEUMS OR READING BOOKS

You may think that putting “museum enthusiast” or “bookworm” in your C.V. is boring but, it is not! These interests allow you to showcase your thirst for knowledge and education. This quality is especially favorable if you are applying for a position as a researcher.

4. TRAVELING

Wanderlust can enjoy not only the perks of travel but also the perks of employability. Having a strong desire to explore the world gives the impression that you are brave enough to step out of your comfort zone.

While traveling, you are planning your finances and budgeting your expenses. Through this, you picked up organizational skills. While traveling, you are able to befriend a person from a different culture or even learn a local phrase or two. Through this, you picked up communication skills.

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

Moreover, writing that your hobbies include traveling will show that you are open to relocate. A quality that is sought after by many global companies today.

Sources: 1 & 2

6 Insider Hair Tips Everyone Must Know

When your hands grace the manes of multiple women and men for about 10 years, chances are…you will have some pretty interesting stories as well as insider tips to tell. And, that is what Ning Agoncillo shared with me the other day. Luckily for you, I am willing to share all her efficient hair tips for free!

1. SAVE ON ADD-ONS

If the salon that you frequent charges you with the shampoo and conditioner whenever you are getting a haircut, save on the add-ons by showering at home. Not only will you save cash but you will also save precious time.

2. DO NOT BE FOOLED BY THE NAMES

Different salons have different names for the same treatments. For instance one salon may call it Keratin Treatment while the other can call it Reborn Treatment. You must take the responsibility to inquire about the treatment process beforehand in order to compare the salons and to get the best price.

3. EVERYTHING CAN BE REPAIRED

Ning Agoncillo is one of those people who spend years perfecting their craft!

Image Credits: facebook.com/makeupbyningagoncillo?fref=ts

And, given the years of experience and education, she imparts that a good hairdresser is able to repair anything. If your hair has been suffering dryness and frizziness for years, do not fret because it can still become healthy! If you dyed your hair with the wrong shade, do not worry. You can outgrow and re-dye your hair.

4. YOUR HAIR CUT MUST COMPLEMENT YOUR FACE SHAPE

Your hair cut must complement and frame your face well. Square-shaped faces must keep their hair long with layers in order to highlight their face. Also, it is a must to avoid short hair cuts. While for people with round-shaped faces, getting a pixie cut is a good idea. And for heart-shaped faces, a medium hair cut with uniform layers will look nice.

5. KNOW THESE IF YOU ARE GETTING A TREATMENT

If you are getting a treatment, do know that you will stretch your dollar as well as maximize its effects if you steamed your hair in the process.

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

6. YOU SHALL NOT INVEST ON EXPENSIVE SCISSORS

Investing on expensive stylist’s scissors is not advisable if you are not a professional or if you are not studying to become one. This is because the scissors need preservation techniques such as keeping it cool or not lending it to others in order to maintain its perfect setting.

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