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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

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

Practice One Virtue That Can Definitely Increase Your Savings

As the Japanese Proverb once scribed: “Money grows on the tree of patience.”

Yes! One virtue, practiced religiously, that can definitely increase your savings and even increase the odds of success is none other than: Patience. Why is that so?

1. PATIENCE BOOSTS YOUR DISCIPLINE

Applying patience to overcome instant gratification is important in financial success. If you are an impulsive over-spender, establish a waiting day rule of at least 30 days on any purchases. The new items you have been eyeing on will go on the waiting list. This will not only help you to develop patience but also to help you filter out which ones you need and which ones you don’t.

2. PATIENCE HELPS YOU RESIST THE TEMPTATION

If the temptation of spending is overwhelming, try discussing financial matters to your bank. You may ask them to make automated payments or to put restrictions into your savings account and credit card. Once the convenience of spending is out of sight, it will be out of mind.

3. PATIENCE ALLOWS YOU TO LOOK FOR OTHER OPTIONS

Sadly, in a world that hates delayed gratification, impatience costs people cold hard cash. If you are willing to wait instead of purchasing immediately, you are able to compare prices within other shops and to find cheaper options while you are it. Patience gives you the opportunity to wait for the greatest sales, huge markdowns, and bargain deals that will help you save a lot!

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

4. PATIENCE ALLOWS YOUR MONEY TO GROW

The longer you keep your money, the more you will make of it. Elevation in your wealth each year is possible because of compounding. Compounding is the addition of interest to the principal of a deposit. Read more about the compounding power, here.

5. PATIENCE SHARPENS YOUR CONSCIOUS SPENDING

Patience sharpens and shapes your conscious spending by letting you realize the worth of each item. Ask yourself in the present time: “At my age, what matters to me the most?“

If you are willing to wait for a purchase then, you consider that item as important. And if it is that important…surely…it is worth the wait.

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

Sources: 1 & 2

3 Quick, Easy, And Affordable Meal Ideas Under S$20

Assuming the basic ingredients including salt, pepper, sugar, garlic, onions, and eggs are available at your home, here are the affordable meal ideals you can simply and swiftly prepare for the whole family:

1. CRISPY ROMAINE SALAD

Increase the vitamins absorbed by your body through this low-calorie dish that takes only 15 minutes to prepare.

INGREDIENTS (SERVING 4 PAX)

1 large Romaine lettuce (S$3.50 per 300g at Quan Fa Organic Farm)

2 medium carrots (S$0.80 per 500g at FairPrice)

0.30 cup of mayonnaise (S$2.65 at FairPrice)

2 tablespoons of red wine vinegar (S$6.50 at Delicia)

1 small clove of garlic

1/4 teaspoon salt

1/4 teaspoon coarsely ground black pepper

1 cucumber (S$0.65 per pack at FairPrice)

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

DIRECTIONS

Cut the unpeeled cucumber vertically in half then, cut it horizontally into thin “half-moon shapes”. Then, coarsely chop the Romaine lettuce. Get a huge serving bowl and place your cut cucumber and lettuce there. Afterwards, peel the carrots directly into the serving bowl.

On a separate small bowl, mix the mayonnaise, red wine vinegar, garlic, salt, and pepper well. Then, add this sauce mix to the serving bowl.

2. VELVET SCRAMBLED EGGS WITH HERBS

Give your good ol’ scrambled eggs a twist by adding fresh herbs. This recipe takes a total of 20 minutes to prepare.

INGREDIENTS (SERVING 4 PAX)

9 eggs

1/4 cup of milk (as low as S$2.40 at FairPrice)

1/4 cup of butter (S$3 per 250g at FairPrice)

1 tablespoon minced oregano (S$4.35 per 15g Mccormick Whole Mexican Oregano at FairPrice)

1 tablespoon minced thyme (as low as S$4 at FairPrice)

2 tablespoons of Parmesan cheese (S$5.55 per 125g Kraft Grated Parmesan Cheese at FairPrice)

Chives (follow self-preference)

Salt and pepper (to taste)

DIRECTIONS

Whisk the eggs and milk in a medium bowl for about 1 minute. Melt the butter over medium to low heat in a large sauté pan (preferably non-stick). Then, pour the mix of eggs into the pan and gently stir it with a wooden spoon or rubber spatula. Cook it over low heat.

When the eggs finally lose the “raw look”, put the thyme, oregano, chives, Parmesan cheese, salt, and pepper in the pan and stir these ingredients to distribute. Immediately pour an additional 2 teaspoons of milk to the eggs once it is very creamy and moist. Finally, remove the egg from the heat.

3. CONFETTI RICE PILAF

This is a colorful compliment to any of your chicken dishes. It takes about 30 minutes to prepare.

INGREDIENTS (SERVING 4 PAX)

1 small onion

1 carrot

1 celery stalk (S$1.60 per pack at FairPrice)

1 tablespoon of butter

1 clove of garlic

1 cup of white rice (as low as S$4.95 at FairPrice)

1 chicken broth (S$1.75 per 60g of Knorr Chicken Cubes at FairPrice)

0.25 cup of water

0.25 cup of Parsley leaves (S$3.85 per 7g of Mccormick Parsley Flakes at FairPrice)

1/4 teaspoon salt

1/4 teaspoon coarsely ground black pepper

DIRECTIONS

In a saucepan, heat the butter on medium heat. Add the onion, carrot, garlic, celery, salt, and pepper. Cook and stir all this for 6 to 8 minutes until the vegetables are tender. Add the white rice to the pan then store for 1 minute. Then, put the chicken broth and water into the pan while boiling it on high.

Reduce the heat to low then cover and simmer for 16-18 minutes until all the liquid is absorbed and the white rice is tender. Afterwards, you must turn off the heart but keep it covered for 5 minutes. Fluff the rice with the fork and stir the parsley.

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

Isn’t it incredible that you can make yummy dishes of four servings under S$20? Try it now and enjoy! 🙂

Sources: 1,2, & 3

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