Minisoh reads

When you first start working, it can be a hard transition from managing an allowance to managing a proper income in thousands. Though it may seem like you just have more money to spend, there are also a lot more things you need to pay for now as a “financially independent adult”. There are many things to learn on how to budget to make sure you have enough for loans, insurance, investment and future savings. Books and articles will tell you how to budget and fully utilize your income but one thing they don’t tell you is how to be disciplined. If you allocate a monthly budget to food expenses with the intention to save money, do you really think you will spend that little? In Behavioral Economics, there is a term called present bias that describes how people value things now more than they would later. It is a theory that captures our tendency towards immediate gratification — something we have all been guilty of one way or another and is often the thing that derails us from our...

We are all growing old and with declining birth rates and the loss of the kampung, Singapore’s ageing population problem is an issue that must be tackled as a country. It is not something to leave to government agencies; it is something we must all do our part to prepare for. In the study “Supporting Singaporeans’ Aspirations in Aged Care”, 998 respondents were surveyed to find out what concerns they had about growing older. Some concerns identified were not being able to care for themselves or carry out their daily living, being financially prepared for old age and worries about being able to live independently and comfortably. There was a clear preference for ‘ageing in place’ or the ability to live in one’s home safely, independently and comfortable, regardless of age, income or ability level with 78% saying that they preferred to stay in their own home. This survey may help explain why your elderly parents or grandparents are stubborn about living on their own. The elderl...

Tingkat is a food delivery service that combines home-cooked food with convenience — no cooking or washing up on your side, but the same great taste of a warm homemade meal right at your doorstep. It’s like having someone deliver your grandmother’s superb cooking to you every evening so that you don’t need to worry about what to eat or where to eat. After a long tiring day of work and the weekday frustrations of deciding what to eat for lunch, there’s no better feeling than to be able to finally relax. With Tingkat, there’s no need to worry about dinner. There is a heavier emphasis on health today and even the Tingkat companies are following suit. Some of them have curated a special healthy Tingkat menu for the health-conscious and some have committed completely to providing healthy foods. Here are five catering companies with offer cheapest  Tingkat in Singapore that provide healthy dinners. 1.   Le Xin Catering Le Xin Catering  offers the most customizability ...

As a working middle income family with kids living in a cosmopolitan city such as Singapore, you are faced with daily challenges such as sending your kids to schools on time, commuting to work in crowded public transport, rushing for a quick bite among the lunch crowd, work challenges faced in workplace, getting knock off on time to pick up the kids, and finally, rushing home to get dinner ready. Yes, this is the lifestyle of the average working class living in Singapore. With this much of activities in a full day, it really kind of drains your energy by the time you are settled down on the bed. Where’s the work-life balance we are talking here? It is no surprise that the younger generations are getting married late, and not to say having kids while they are still fighting for a career. It is however a totally different story altogether for those born in the 70s & 80s like myself. We are faced with the mentioned challenges on a daily basis. Topics will always hover around wo...