Cheap Storage Hacks To Organize Your Home

Due to the safety measures and social restrictions brought by the pandemic, we tend to spend most of our days at home. Now is the perfect time to declutter and reorganize your own space! From creating your own key holders to storing your stuffed animals, these tips will squeeze your creative juices without breaking the bank.

Use what you have as you organize your home with these cheap storage hacks:

#1: MULTI-PURPOSE FILE DIVIDERS

Do not throw your shoe boxes just yet! Shoe box, usually made of paper, is more than just a storage for shoes. It can also be used in packaging several items in retail stores or in your home. If you have a collection of bills, photos, sewing supplies, tools, and other small items, you may store it inside a shoe box for easier access.

Divide the sections of the shoe box by cutting the cover into rectangular and square pieces. Get creative! You may also cover the shoe box with a patterned fabric to echo the décor of your room.

#2: HAIR TIE HOLDERS

Let us face it! Hair ties always get lost. The solution? Store your hair ties on an empty tissue roll core. Widen the hair tie and insert it on the empty tissue roll core. This way, you will know where to find them.

Aside from hair ties, the empty tissue roll core may be used to store your cords. Prevent getting your cords tangled by tucking in the cords inside an empty tissue roll core. Put a label on the cardboard tube so you will know which cord is which.

#3: STATIONARY VASES

Jars can be ideal for preserving jams, jellies, sauces, mustards and flavored vinegars. Basically, it is storage for your food. But aside from that, you may organize your office supplies with a jar. Let the jar act as a stationary vase for your paper clips, pens, staplers, highlighters, and more.

You may also style your jar by painting it with enamel or a chalkboard paint. A chalkboard paint allows you to create a blackboard area with a durable black finish. This product can be applied to any smooth non-porous surface such as drywall, plaster, metal, and glass.

#4: STUFFED ANIMALS STORAGE AREA

Keep all your child’s stuffed animals in one area by sticking a few Velcro strips or hook-and-loop fasteners on the wall. Attach the half of the strip on a lightweight stuffed animal and the other half on a wall. Use the soft side of the Velco or the hook-and-loop fastener to avoid getting potential scrapes on your beloved little one.

#5: REUSABLE STORAGE BAGS

Tired of seeing your children’s toys scattered around? Do not forget the smaller ones such as the action figures or doll clothes that are lying on the floor. Well, re-sealable or reusable zipper bags may come in handy. The most famous brand is the Ziploc bag, but you may also use other variations of this. The see-through exterior provides easy identification of the stored contents.

Just store your child’s toys, crayons, and markers in a labeled reusable storage bag to keep it organized. You may also keep some manuals and brochures inside.

#6: FRAMED KEY HOLDERS

You will be surprised to know that a picture frame may be revamped as a key holder and a dry-erase board. Let us start with the key holder. Create your own aesthetically pleasing key holder with a single picture frame. Simply remove the glass and paint the background or cover it with fabric or colored paper. Then, attach several key hooks using a strong adhesive. Hang the frame near the exit door. This will ensure that all keys are kept in one place.

Lastly, you may create a dry-erase board with a picture frame. Stay on top of your tasks and errands with a DIY dry-erase board. Use an old picture frame and put a fabric or a wallpaper inside. Use a whiteboard or a dry-erase marker to note down your reminders on the glass.

#7: BEDDING BAGS

Tote bags, made of canvas, are usually inexpensive. Take your beddings and blankets and put it inside the tote bags for heightened organization. You may also put your old or underused clothes inside the tote bags and donate it to those who need it the most.

Image Credits: unsplash.com

Sources: 1 & 2

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Surefire Ways To Save Money While Taking Care Of Your Pets

As much as you love and adore your pets, long-term care adds up. From pet medications to cleaning supplies and vet visits, it is essential to reduce your expenses without endangering your pet’s health. Fortunately, there are many simple saving tips that can employ to keep the costs to a minimum.

CULTIVATE A SAFE SPACE

Responsible care starts with creating a safe environment for your pets. Prevent hefty and harmful accidents from occurring by storing poisonous, sharp, and dangerous items out of your pet’s reach. For instance, bleach and other household cleaners may cause serious accidents for your pets. Yarns can also get stuck inside your kitty’s intestines and cost you more than thousands of dollars for the surgery.

CONSIDER PET ADOPTION

The age-old advice encourages us to adopt and not to shop. Instead of making an impulse purchase at a pet shop, you can rescue lovely animals from animal rescue centers and other animal organizations. You can provide an adopted animal a wonder new life for a lower purchase price compared to investing on a purebred animal. Purebred animals such as Golden Retrievers can cost up to S$5,000, especially if they come with a pedigree certificate.

This tip is beyond saving money. It brings the fulfillment of knowing that you have saved a life too. Just ensure that you are adopting from a reputable animal welfare organization or a rescue center. One example is the Society for the Prevention of Cruelty to Animals (SPCA) in Singapore, houses a variety of animals since its existence in the 1800s.

REDUCE THE VET TRIPS

The best way to eliminate medication costs is to prevent diseases. Vaccination is truly cheaper than the treatment for your pet’s disease. Consult your vet about the vaccination that your pet needs such the vaccination against Feline Panleukopenia virus. This virus is a highly contagious, severe infection that causes gastrointestinal, nervous system, and immune system diseases.

If your pet is already sick, ask the professional if a generic brand of medication works as well as the branded one. Generic brands are cheaper than the branded ones but they can also give the same effect.

MAKE YOUR OWN PET TOYS

Resist the temptation of purchasing several pet toys from pet stores. Often times, cheap plastic toys are poorly made and can easily get broken. Handmade toys work just as well. Moreover, you will be able to make sure that your pet’s preferences are met, using safe materials.

Most cats are fond of cardboard boxes and laser pointers. While, most dogs are fond of tug-o-war toys or empty plastic water bottles tied-up in a sock. Search thru the web for more ideas!

SLASH YOUR PET’S DENTAL EXPENSES

Gingivitis can damage your pet’s kidney and your finances since it requires expensive treatment and professional cleaning. To avoid this, do regular dental care at home. Wrap a significant amount of gauze on your finger and swipe your pet’s teeth. Brush your pet’s teeth using pet-friendly toothpaste, which may come in savory flavors such as chicken or malt. Toothpastes usually cost about S$10 per tube.

GROOM YOUR PET AT HOME

It is not only safer to groom your pet at home during this time, but it is also cheaper. It is possible to groom your long-haired furbaby at home. All you have to do is to equip yourself with an ear solution, pet shampoo, brush, and nail clippers.

Opt for a pet shampoo that can ward off parasites and fleas such as the ones available in Carousell, Lazada, and Kohepets. Having this special formulation is helpful due to Singapore’s hot weather.

Image Credits: unsplash.com

Which of these pet care saving tips are you already using? Feel free to share us some of your coveted tips!

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How To Master Working From Home With Kids Around

With the restrictions of the coronavirus pandemic and our compliance to social distancing guidelines, many of us have transformed our homes into offices. Your home is an oasis, except when you are forced to mix your personal life with your professional life. Schools may have opened last June, but some rotate between online and on-campus lessons. It is a gradual transition that comes with the new normal.

The “no kids allowed in the office” rule no longer applies to us. Employees and business owners are now juggling their household duties with their workplace tasks. Some find it a struggle to create a peaceful environment free from the distractions created by their children, pets, or younger siblings. Just take a look at the video below!

TALK TO YOUR CHILDREN

It is important to talk to your children about what is happening around them. Ensure that you are explaining the situation at an age-appropriate level. Some children may understand the safety restrictions, while others may see the pandemic as an unreasonable limitation.

Explain to them that we are looking out for each other during this pandemic. Part of how we help each other right now is by staying at home. Sometimes, a change in perception is all that we need.

ESTABLISH A SCHEDULE

One of the benefits of working at home is flexibility. Write down your priorities for the day and set them within your working hours. If you’re married, you may explore alternating schedules in coordination with your partner and your children. This will help you manage your household chores and office tasks accordingly.

Have an agreed schedule with your employer to ensure that you are filling in the required number of hours per day. Given that most of us work from home, some employers may understand the need for non-traditional schedules.

FOCUS ON YOUR PRIORITIES

Prioritize your work by accomplishing important tasks first. There will be interruptions along the way and it will take longer than usual. This is why you accomplish urgent tasks in the morning and save the minor tasks later in the day.

Avoid unexpected yells and loud noises in the background by hitting the mute button during conference calls. Toddlers will not understand that they cannot always have your undivided attention. If your toddler seeks your attention during a business call, you may ask to reschedule if you can. Minor tasks such as replying to client comments on social media may be done while your children are sleeping.

CREATE SNACK AND PLAY STATION

Find a spacious corner in your home and assign that as the “snack and play station”. Prepare a bunch of snacks and drinks for your children and instruct them on how much they can consume per day. Aside from this, you may let your child’s creativity run wild through free-play. Provide books, art materials, and other learning materials such as puzzles and blocks within this station.

Tackle your workload while your kids are having fun and playing safely on the corner.

PLAN FOR INTERRUPTIONS

Think of alternative strategies to minimize the disruptions from your family members. Firstly, you can take advantage of naptime. Do bulk of your heavy tasks during this time. Whether your child sleeps for one to three hours, use this time to complete tasks that seek your focus and concentration.

You may also setup a virtual meeting between your children and your relatives while you work. Ask a friend or a family member for a favor to teach your children a new skill while they are chatting online. Connecting your children to their friends and their grandparents through Skype, Zoom, or Facetime can be helpful to their well being too.

SET REALISTIC EXPECTATIONS

Let us face it! There are no professional advantages to pretending things are the way they used to be. Reduce your anxiety and manage everyone’s expectations by being honest with your coworkers. Tell them what is going on in your home office.

Image Credits: unsplash.com

Similarly, you must be honest with yourself when it comes to your abilities in handling your children. You cannot turn into a good teacher overnight. Be patient with yourself and your children throughout the process.

Sources: 1, 2, & 3

 

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Planning to get married? Here’s how much it costs in 5 years time

According to a study conducted by ValueChampion in 2019, the average cost of getting married in Singapore  is consistently increasing over the years. The average cost of a wedding banquet skyrocketed from S$923 in 2011 to S$1,392 in 2019. That’s an increase of 51% in just over 8 years, far outstripping MAS core inflation rate of 14% during the same period. There is little to suggest that this upward price trend will not continue once things stabilize post Covid-19.

Cost of a Dream Wedding in 2025

Based on past wedding inflation rate of 32% over a 5-year period, the estimated total cost to hold a dream wedding in Year 2025 would be $100,000.

While Year 2025 may seem too far away to start planning for your dream wedding, the figures have shown how frightening wedding inflation rates have been and will continue to be. $100,000 is an intimidating amount for any young couple to cough up. Therefore, it is important to start planning and saving up for your dream wedding early. For a start, angbaos from family, friends and guests received will definitely help to reduce the total size of the bill. Here are some ways you can mitigate the costs of your dream wedding.

Negotiate with Wedding Vendors

While this may sound obvious, many customers hardly negotiate as they are afraid of embarrassing themselves for fear of appearing “too cheap”. Sometimes, negotiations need not always come in the form of price reductions. For instance, one can ask for freebies such as flower bouquets or floral lapels from the vendor before committing to a bridal package. Wedding banquet providers may also be willing to sponsor wedding favours and waive corkage charges.

DIY For a Personal Touch

Not all of the items need to be procured from wedding vendors. Couples can borrow certain items from friends or simply just do-it-yourselves (‘DIY’). For instance, there is no need to hire a professional company to dress up the reception table. There are plenty of images on Pinterest and Instagram that serve as easy references for couples to do-it-themselves. Furthermore, DIY adds an element of personal touch that will leave a lasting memory for your guests.

Choose the Right Financing Option

The most significant part in mitigating the cost of your wedding is choosing the right financing option. A Personal Loan should definitely be considered if a one-off borrowing is required. A personal loan is a more financially prudent option compared to credit card debt. For example, OCBC is levying 0% interest rate and only a one-time processing fee of 4.5% (Effective Interest Rate 5.20%) for its Balance Transfer Loan. This is significantly lower than a typical credit card interest charge of 25% for roll over amounts. For a $50,000 loan, the savings in interest payments is easily over 5-figures over a 12-month period! Hence, a personal loan can be more a financially prudent alternative to a credit card debt.

To access Balance Transfer Loan, simply borrow from your unused credit limit from other banks to enjoy 0% interest rate. Alternatively, one may turn any unused OCBC credit card limit into cash via the OCBC Cash-On-Instalments with no need for additional income documents. Repay with fixed instalments over 12 to 60 months and pay effective interest rates as low as 9.06%. Such smart cash flow management would net you tremendous savings since interest on credit card debt is easily a staggering 25%!

Finally, even if one does not have any existing unused credit card limit, do not worry as one can still tap the OCBC ExtraCash Loan or EasiCredit. The loan amount disbursed will be dependent on your annual income. Inclusive of the one-time processing fee, the effective interest rate for ExtraCash Loan could be as low as 10.96% with fixed repayments over 12 to 60 months. On the other hand, EasiCredit offers greater flexibility as you withdraw what you need at 1.74% interest rate per month.

Application for personal loans from OCBC Bank can be performed conveniently via MyInfo. This minimises the waiting required which can help to lessen any wedding jitters! A host of convenient repayment options exists to ensure that you never miss your monthly bill!

Conclusion

Holding a dream wedding in front of your loved ones is the aspiration of many lovebirds. When planning for your dream wedding, consider the suite of Personal Loans from OCBC since this is a superior financing option over credit card debt. Proper financial planning ahead can go a long way to ease the financial burden of holding a dream wedding in Singapore.

Visit OCBC for a comprehensive suite of personal loans that grant you easy access to cash without having to wait for an eternity:

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