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How To Spend Money Using The 5 Love Languages

Making a conscious effort to speak your partner’s love language allows you to understand each other better and to make him or her feel loved. Dr. Gary Chapman is the renowned author of the “5 Love Languages”. He highlights that there are five ways that we can communicate love namely through: words of affirmation, receiving gifts, quality time, acts of service, or physical touch.

With the continued practice of communicating each other’s love language, a happy and loving relationship will solidify.

WORDS OF AFFIRMATION

People who have “words of affirmation” as their love language value sweet and encouraging words. To them, whispering “I love you” brings more happiness than any expensive give that you can buy. On the other hand, they will feel unappreciated if you do not verbally convey your emotions or if you do not praise them for their accomplishments.

This person will appreciate a handwritten card. A book can be a good choice too. Moreover, you may gift an artwork or a decorative sign with empowering or loving words in it.

RECEIVING GIFTS

For some people, receiving gifts make them feel most appreciated. This does not mean that they are materialistic. They simply love the thought behind every gift. They have special fondness for special occasions such as birthdays, weddings, and anniversaries. Forgetting the special dates and not showing you care can become issues to these people.

If your loved one has this as his or her love language, spend your money on a gift that is important and personal. Buy something that has special significance to your relationship. Also, pay attention to any hints your partner drops.

ACTS OF SERVICE

For many people, actions speak louder than words. To make your partner with this love language feel loved, help him or her with the household chores or with anything that will ease one’s burden. Laziness, broken commitments, and creating more work for them indicates that their feelings do not matter.

Serve your partner by giving a set of “love coupons”. These coupons may contain the following acts: free housecleaning services or free candlelit dinner. Do all the planning and preparing!

QUALITY TIME

For this people, they find the greatest gesture of love in spending undivided attention with the ones they love. It does not matter where you take your partner! What matters most is that you listen actively and you are free from any distractions.

Consider booking a weekend getaway with just the two of you. If it is a family member, go out for a dinner or roam the Botanical Gardens. Make sure you spend an ample amount of time with your loved one. Do not make him or her feel rushed.

PHYSICAL TOUCH

Lastly, people who have physical touch as their love language value appropriate gestures such as holding hands or hugs. If your significant other speaks this language, it is important to appreciate them through your touch. Physical touch fosters a sense of security and care in any relationship. Neglect or abuse can be unforgivable for this people.

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An ideal gift for this person is a massage or manicure. Another option is to book a cuddle session at home while watching Netflix in bed and drinking some hot chocolate.

Sources: 1 & 2

How To Deal With Finances As A Married Couple

A CLOSER LOOK AT YOUR SPENDING HABITS

Getting married marks a significant chapter in one’s life. This new chapter comes with overwhelming changes and unique transitions that go beyond your personal boundaries. You are now planning a life that is beyond taking care of yourself. This huge responsibility comes with financial trials.

Start with being transparent with your partner when it comes to your finances and spending habits. Awareness is the first step. After all, you are responsible of your partner’s well being too. It is your duty to remind each other about making conscious efforts when it comes to money. Many of our spending habits are influenced by marketing traps and mental biases. These hinder us from thinking straight. You are stronger as a team. Keep that in mind.

Let me give you an example of the common traps or biases that both of you can encounter. Firstly, you the status quo bias may consume you. This bias occurs when you are more likely to prefer the product that you know more despite having better options available in the market. For instance, you may prefer an Apple iPhone over a Samsung Galaxy phone due to your familiarity with the iOS software. You simply want to maintain the routine that you have started.

Similar to status quo bias is the familiarity bias. This happens when you favor products or services that you are exposed more of. Start-ups and smaller companies are not able to afford hefty advertising, thus you may skip on the products or services that they offer. When this happens, it is best to help each other out. Purchase appliances or home decorations together. Do you want to purchase a Samsung Inverter or a Kolin Inverter? Be mindful when you are buying an air-conditioned or other items. Do it for reasons that will both benefit you and your spouse.

Lastly, you may fall for the post-purchase rationalization. This is something that most of us experience. Many of us are stubborn to admit that we made a mistake. We would rather settle for what we purchased. We make excuses to convince ourselves that we made the right decision. Please, ask your partner’s opinion. If the quality of the product does not suit your standards, consider returning it within the company’s terms. Retailers often offer 7 to 30 days return policy. Ask for it!

Do not put yourself into harms way. Accomplish big financial decisions as a team and discuss your spending habits with your partner. You are in this ride together!

THE POSSIBILITY OF SHARING A BANK ACCOUNT

As you build a relationship on mutual trust and honesty, it is normal to gravitate towards having a joint account. Trusting your partner with significant decisions, such as choosing your own home, can pave the way for having deeper understanding to each other’s finances. Some couples experience difficulties when it comes to spending habits and financial priorities. This is why some opt to have a joint account, while others do not.

Finding a mutual ground begins with having the same financial goals. Your goals can vary from paying off your household bills or going to an expensive honeymoon. Set up a joint account for financial goals that you both want to accomplish. You may put your household fund here too.

Then, have concrete rules such as how much each of you will contribute each month and where each portion of your funds will go. Consider having individual bank accounts too. These individual accounts will enable you to treat yourselves or your partner without affecting the household fund. To keep things transparent, you may communicate about your spending habits bi-weekly or every month. Stay on track when it comes to each other’s expenses and goals. Help each other out!

Image Credits: Freepik

You may also discuss if you can make cutbacks or if switching banks are necessary. To put it in simpler terms, you are merging two companies when you have a joint account. Everyone has an equal say and contribution to this shared account. So, respect each other’s views and practice compromise to minimize potential disputes.

Surefire Ways To Convince Your Kid To Wear A Face Mask

Wearing a mask on a regular basis is unheard-of in the yesteryears. Helping your child understand why he or she needs to wear a mask is essential to reduce the discomfort, fear, or worry. Consider these efficient tips to convince your child to wear a face mask.

#1: HELP YOUR CHILD UNDERSTAND

Get your point across through age-appropriate explanations. Pre-schoolers learn through play. Allow your child to role-play by putting a mask on their stuffed animal or doll. You may also let your child make his or her own mask or decorate it with stickers and paint.

Children from ages 5 to 12 learn best through knowing the purpose of their actions. Usually, they do not just want to be told what to do. They want to understand why. The typical questions that you may get are as follows.

Question: “What’s Coronavirus?”
Answer: Coronavirus is a new type of sickness — like a stomach flu or cold. Because it is new, doctors and scientists do not know a lot about it. We need to be extra careful to keep everyone safe. Let us do this by wearing a mask.

Question: “Why do I have to wear a mask?”
Answer: Covering your mouth when you sneeze or cough helps to avoid the spread of germs. Wearing a mask can help avoid the spread of the virus. Some people may get really sick because of this new virus. When you put your mask on, you are becoming a special helper that keeps the people safe.

#2: LET YOUR CHILD CHOOSE HIS OR HER MASK

Put value to the opinion of your child by letting him choose his own mask. Your child may want put his favorite character on his fabric mask. Let your child’s imagination run while by providing art materials. They will be more eager to wear a mask that they like. Do check for comfort and ensure that the straps are not too tight or too loose.

#3: BECOME GOOD ROLE MODELS

Practice wearing a mask with your child at home and when you go outside. Be good role models to your child by wearing your mask correctly at home and in public places. You can even make a fun game out of it. Whoever wears his or her own mask first will win! Keep your expectations reasonable and gradually increase expectations as your beloved child gets used to the way a mask feels on his or her face.

#4: GIVE POSITIVE REINFORCEMENTS

Whether you want to give a tangible token or an encouraging praise to your child, you can provide positive reinforcements that will help your child wear a mask. You do not need to break the bank for this!

You may also let your child hear statements like: “I love wearing my mask. It keeps other people safe. You can try it too.” Your child will appreciate the positive attention. You may also let your child watch videos that emphasize on the power of wearing a mask. See for yourself:

Sources: 1 & 2

7 Low-Maintenance Dog Breeds To Bring Home

Whether it is your partner or your child that convinced you to get a house pet, there are many furry friends to choose from. Let us focus on the low-maintenance dog breeds. All dogs require ample love, care, and attention. However, there are some breeds that are willing to dance with your hectic schedule.

Welcoming a family pet is an exciting and life-changing milestone. As with all significant decisions, there must be a lot of research needed. Consider getting one of these seven family-friendly breeds.

#1: BOSTON TERRIER

Originally bred to be fighting dogs, the Boston Terriers of the modern age are affectionate, gentle, and delightful. Its tuxedo-like markings earned them the nickname “American Gentleman”. While it requires a daily walk, it mostly remains inactive while indoors.

#2: PUG

The humble Pug is a loyal and playful dog. Pugs are usually socially active and they welcome homes filled with human interactions. The Pug’s simple life is complete when it gets to enjoy his or her own bed and watch the day go by. It is the perfect flat furry buddy!

#3: CHIHUAHUA

Ideal for small homes, the Chihuahua requires minimal exercise. They are easily carried around due its weight of about 1 kilogram. This breed is perfect for people who travel a lot. As a friendly reminder, please train your Chihuahua to avoid the yappy personality they are known for.

Image Credits: pixabay.com

#4: DACHSHUND

Dachshunds have a positive disposition and are typically game for anything you throw at them. As family dogs they are loyal and good watchdogs. Its exercise consists of running around the house or leisurely walks outside. IF you work in a pet-friendly building or you work from home, your Dachshund will be content just sitting by your side as you focus on your tasks.

#5: GREYHOUND

With its built, you will not suspect that one of the fastest dogs can be such a coach potato! The Greyhound is an athletic dog that cannot wait for a warm cuddle in your lap. Its mellow personality combined with the minimum grooming necessities make it one of the most low-maintenance dogs in the large-sized dog groups.

#6: MALTESE

With its shining coat fitting of a royal, the Maltese is suited to live within a small apartment as they do not shed. What it needs is a home filled with love, attention, and care. It also enjoys playful sessions with its companion. Owners should administer a regular grooming routine, which may include brushing, combing, and shearing.

#7: CAVALIER KING CHARLES SPANIEL

The Cavalier King Charles Spaniels have the ability to adjust to its owners’ temperaments. Its flexibility makes it an ideal companion for kids and other pets. Brushing every week is necessary to make sure that their longer coats do not tangle.

Despite your busy schedule and hectic lifestyle, providing quality love and care for your canine is easier with the help of dog-centered apps and dog walking companies. Not to mention, there is a wealth of pet tips and tricks online. However, nothing beats a snuggle session between you and your furry friend after a long day at work!

Sources: 1 & 2

All You Need To Know About The S$3,000 Baby Support Grant

Parents of Singaporean children born from October 1, 2020 to September 30, 2022 can get a one-time Baby Support Grant to help them alleviate the costs of raising a child amidst the pandemic. The Baby Support Grant will supplement the existing Baby Bonus cash gift. The former is worth S$3,000, while the latter can go as high as S$$10,000. These will be deposited to the bank account that the parents have nominated.

The giving out of funds will start from April 1, 2021 or within one month of enrollment into the Baby Bonus scheme. It will depend on the situation.

Ms. Indranee Rajah, a Minister in the Prime Minister’s Office and a Second Minister for Finance and National Development, highlighted that the Government has allotted some budget to provide support to more Singaporean parents. Lower-income parents with babies on or after October 1 were already eligible for the grant, while those with babies born before that date can benefit from other existing schemes.

She said: “The Government will spare no effort to help couples meet their marriage and parenthood aspiration.” The pandemic has not been easy on all of us and most people have postponed their wedding and family plans.

Image Credits: pixabay.com

A recent survey commissioned by the National Population and Talent Division (NPTD) and the Ministry of Social and Family Development (MSF) found that about 30% of respondents will likely delay marriage or have a child later on because of the pandemic and its effects on the economy and the healthcare system. About 80% of the married individuals stated that they plan to delay having children. The survey collected information from about 4,100 Singaporeans ranging from ages 21 to 45. There is a lot of uncertainty surrounding us as of the moment.

This is why, Ms. Indranee Rajah encouraged the community and businesses to cultivate an environment that is family-friendly.

“We also hope that more businesses and community groups will play their part to support couples juggle work and family, provide affordable goods and services for young families, and ultimately, create a Singapore that is made for families.”

Some companies have answered this plea and are offering special deals to families with young children. For instance, Mothercare will offer its VIP membership to all Singaporeans who are giving birth over the next 12 months to be eligible for their special discounts.

Nonetheless, the Government has asked for the understanding of everyone due to the given duration of this grant. According to them, the specific start dates are necessary for any new measure or enhancement. May this grant aid many Singaporean families, especially those who need it the most!

Sources: 1 & 2

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