Be honest.
How often you do check your bank balance or sit down and draw up a budget for the month ahead? If you tend to chuck statements on a pile on papers on the kitchen table or you check in with the bank every couple of months; now is the time to start monitoring your money more closely! Managing your finances has never been easier and it can help you to save more and spend less.
Creating a Budget
If you don’t live by a budget, there’s no better time to break the habit of a lifetime. Traditionally, at this time of the year, finances are usually pretty tight, and the sooner you can start saving, the better. Budgeting is simple, fast, and completely hassle-free in this day and age. While some people prefer to stick to old-school techniques and draw up columns of figures with a pen and paper, many opt to use apps or specially designed programmes. It’s a good idea to do a bit of research to find the best personal finance software and to think about what you need and what kinds of features you’d like. Budgeting enables you to monitor how much money is coming in and how much is going out, and it can give you a much better idea of where your cash is going every month. Sticking to a budget can help to prevent overspending and enable you to save more. You can use your budget to set a spending limit every week or to establish how much you’re going to transfer to a savings account or pay off a credit card each month.
Online Banking
The days of having to trudge out to the ATM or wait for a monthly statement to come sailing through the letterbox are long gone. This means that there is no excuse to have no idea what is going on in your accounts. With online banking and apps, you can check your balance on the go and keep a close eye on spending. If you don’t already use online banking, you’ll need to register online. With this service, you can check your balances, open new accounts, transfer money, pay bills, and find out more about other financial products, such as mortgages. It’s so easy to lose track of spending with contactless technology and online shopping, so it’s crucial to look at your bank on a regular basis.
Shopping Around
Once you’ve got an idea of how much disposable income you have available, you can take steps to increase this figure by shopping around and comparing prices. Take a look at how much you’re paying for insurance, for example. If you’ve got car, health, house or pet insurance policies that are due for renewal, don’t just accept the new price from your existing provider. Use the Internet to track down the best deals. You can do this to save money on everything from buying gifts and household items to finding cheaper broadband, TV and mobile phone services!
Even if you’re not the most diligent amateur accountant, it’s never too late to start monitoring your money today! If you’re looking for a credible and sound financial adviser, let us know and we will help you out!
Generally, if you are a one-man-operation (OMO), I would suggest that you start a sole-proprietorship because you will be in full control of your business. But of course, if you fumble and make wrong business decisions, your liability is likewise unlimited. Usually, I will never recommend a partnership and a limited partnership because having worked with all kinds of people, I have concluded that most partnerships turn sour and you wouldn’t want to end up incurring losses just because of some unwise decisions that your partner makes without your consent.
If someone tells you that you need $0 capital to start a business, you probably need to be wary. As you go about looking out for business opportunities, always keep the bigger picture in mind and don’t be swayed by fads and trends. Yes, you can start a business with low costs but low costs don’t mean zero cost. Even starting a sole-proprietorship will cost you a minimum of $65.
I can’t stress this point enough but yes, marketing is essential and highly important! If you don’t market your business, how are you going to get the sales that you need to sustain the business? The most basic form of marketing collaterals that you probably need will be your 
Glass Cleaning
There are unisex gifts and gender-specific gifts. Just don’t mix the two up. Typically, some gifts that are suitable for a lady will include 
Claude Monet
Adventure awaits within the vintage art deco exterior of The Vagabond Club. Each room within the luxurious hotel is an oasis of comfort and calm bathed in natural light, bearing the touch of the genius French designer Jacques Garcia, executed in his renowned over-the-top, maximalist panache with Parisian-chic flair.
With the unique Membership Programme, guests who sign up will enjoy 10-room nights at The Vagabond Club (fully transferrable) as part of the S$3,000 annual membership fee.
Each locker will store up to 15 bottles of whiskey. Members can bring one of their own bottles for every two bottles purchased at The Whiskey Library. Members will also enjoy special bottle pricing, access to the Vagabond Club gym, and reserved seating at regular Whiskey Club events and experiences.
In keeping with the theme of artistry and luxury, the vitrines housing the whiskey collection and other crafted white spirits were designed and hand-crafted by local woodsman Mr Ng – one of the few remaining craftsmen in Singapore who continues to create unique furniture pieces. Designed to enhance the decadent elements of the hotel surrounds, the armoires feature brass claw feet to complement the similarly brass Allahbuksh-designed Rhino reception desk.