How to Stretch Your Dollar on Groceries with Your Credit Card

Being a parent of a 1-year-old baby is tough financially and it has made me more eager to stretch every dollar. Here I am going to compare some credit cards to see which will give me the most rewards or rebates. As a family, my main expenses are usually spent on these things:
1) Groceries – Household items, wet wipes, snacks, fresh ingredients to cook at home.
2) Online shopping for groceries – Bulk quantity is cheaper especially for milk powder and diapers, and I can easily get free shipping too!

My Snack Fix from!

Am pretty particular about my weight ever since I embarked on my weight loss treatments with Han Dian 3 years ago.. but everyone knows I love snacking! However, snacking can be controlled too in small portions and opting for healthier options other than junk food such as potato chips!
One place where I recommend that you can get your snack fix is from a new startup from a fellow blogger called SnackFirst! You can read up more about her story behind starting up SnackFirst here!(:
Quote “TAKE3OFF” to enjoy $3 off any $30 purchase!
Anyway, I selected a couple of healthy snacks of SnackFirst recently and they arrived nicely packaged and delivered to my place! All snacks from SnackFirst comes with FREE shipping islandwide in Singapore and that is super value for money!(:
All snacks from SnackFirst have been handpicked from various sources and tasted personally by Jes and Lucas (the 2 people behind SnackFirst) before being added to their stores for sale if they were deemed delicious! Prices are also reasonable and there is a large range of both healthy and not-so-healthy snacks to indulge in!(:
The nutritional information, health benefits and ingredients can be found in each individual page of every product – this is a nice touch so you know exactly what you are purchasing!

Healthy Snack Range!

Here’s what I tried below from their healthy snack range:
(NUTS) – Greenfaced Pistachios Raw
(FRUITS) – Sunshine Raisin
(GRANOLA) – Addictive Chocolate Granola
(NUTS) – Sunkissed Cashews (Roasted)

Cookies & Biscuit Snacks!

Other than healthy snacks as above, SnackFirst also offers a range of slightly unhealthy snacks perfect for your teabreaks and sharing with colleagues and families! Note that mine are in sample packets as the usual packaging is in the 500g form (:
Just to mention – for the cookies and biscuits range, the cookies come with no preservatives or artificial ingredients while the biscuits contain no preservatives.
  • (COOKIES) – Amazing Almond Cookies
  • (COOKIES) – Delightful Bangkit Cookies
  • (BISCUITS) – Refreshing Coconut Crackers
  • Hearty Nut Bars
And boy, did they choose right! Every package I opened to try was fresh, addictive and very delicious. Would say they definitely tasted slightly different and tastier from the usual packaged nuts/snacks you get from the local supermarkets!(:
Will definitely share these snacks with my family and if they like it – I guess we will be ordering from SnackFirst very very soon!(:
Here’s wishing SnackFirst all the best in their venture – so far its looking good!
Quote “TAKE3OFF” to enjoy $3 off any $30 purchase!
Note: This is a sponsored product review but all opinions are of my own!
Till later,

♥ mitsueki
Disclaimer: This post is written by Mitsueki and first appeared on her blogLike her blog on Facebook or follow her on @mitsueki on Twitter & Instagram

From Jes: Food bloggers are usually quite snobbish, trust me I have contacted many! Mitsueki is really nice and friendly and so unlike the rest. With her nice pictures and personal touch, I am sure she will be more popular in time to come. Dear Mitsueki, you have got a fan here :)

The ultimate price comparison of Integrated Shield Plans (IP / Riders)

Health is wealth.

Without health, you cannot enjoy anything, even with all the money in the world. However, we occasionally take health for granted. As I aged, I start to see more illnesses happening around me which are constant reminders that I should put in more efforts to maintain good health. However, I can only do so much to prevent illnesses from happening. So, it's due time I do a post on hospitalisation plans aka Integrated Shield Plans or Riders.

The ultimate price review on diapers in Singapore

After the price comparison for milk powder, I have to look at the other big expense for a baby, which is the diapers. Most parents would have close encounters with poop or urine within the first year. If you have not been through an explosive diarrhea episode, you are lucky!

For families who use cloth nappy and wash them, I salute you! You totally deserve the savings because I would rather spend the money than wash all the poop from the nappy every day. Diapers are truly the sanity life savers to working mothers!

Picture by ParentingPatch

Comparison of Kids' Savings Accounts

Most of us have a POSB bank account when we were young as it was the only bank for children those days. Nowadays, seems like all the banks have kids' savings accounts and they come up with many different ways to attract the kids' angbao money. After the comparison on the bank accounts for adults, I intend to compare the banks accounts for kids too.

5 Money Saving Tips For DIY Travellers

Travelling indeed is included in everyone's life goals. Well, who would resist experiencing the charm of new places - of actually stepping on those same fascinating destinations you only see on photos and of interacting with the locals? Whether it's that great dimsum matched perfectly with the spring season in Hong Kong or the artistic side of Barcelona that unleashes its best as September hits the calendar - we all can relate to that kind of yearning.

Yet, despite that common desire for travelling that most people share, some of us hold back simply due to the expenses. Whether it’s the airfares, accommodation, luggage costs, food, insurance, travelling usually bring about additional expenses along the way.

But... wait up, does travelling to our dream port of call have to cost that much?  Here are some money saving tips if you enjoy putting together your own travelling plans!

#1: Consider Your Season of Travelling

My schools are disappearing soon

There was a big outcry from many of my friends over the merger of 8 JCs in Singapore from the recent news. Our school, Jurong Junior Collge was to be closed down and 'merged' with Pioneer JC. They were pretty adamant that we should keep our JJC name or even Jurong-Pioneer JC. Why should we have to move when we are more established and have a longer history?
The schoolyard where I sometimes have to run to avoid being late!

The ultimate price review to baby formula milk in Singapore

As I am promoted to a mummy now, I will be sharing more about the finances of a family. One big hole in the pocket is because of formula milk, no wonder we always say parents have to 赚奶粉钱 (earn money for milk)! The recent report by Straits Times is not helping. It states that the price of formula milk has gone up by 120% in 10 years, faster than any other raw materials.

This post aims to compare the formula milk of all stages with the intention to find out if there is a big price difference that will motivate me to change brands.

How to grow cashew nuts?

From trees, of course! Cashew nuts are under a family called tree nuts and they grow mainly in India, Vietnam, Brazil and Africa. The temperature for growing them is about 10 to 40C, so 25C is perfect for them. They are rather tough and drought resistant so they grow pretty well in any conditions. These are the cashew seeds growing on a tree:
Take a look below at how the whole cashew tree looks like:
From the picture, you will see fruits on it. Cashew nut is only a part of the fruit. Cashew apple is actually the real term and you can actually eat them! It is high in Vitamin C, juicy, refreshing but with a tinge of acidity. Not all apples are red, some are orange or yellow like the picture below. 
Some people actually grow them for the cashew apples and not the nuts. I think it looks pretty cute like a mushroom with a grumpy face! In Goa, the cashew apple juice is even fermented and distilled to produce alcohol. 
It takes 3 to 5 years to grow a tree from deshelled seeds. A grafted plant will be faster and time will shorten to just 18 months. To remove the nuts from the fruits is actually very dangerous because the shell of the nuts have a horrible, corrosive liquid that can burn you. There are 3 ways to get around this:
1) By freezing - The shells can be separated from the nut before it thaws. Gloves are still needed but the danger is decreased. Not many are using this method.
2) By roasting - Heat the oil to 210C and cook them for 2 minutes. The corrosive liquid will drain away so you will need some equipment with holes for them to flow. In modern technology, soaking of the nuts are done before roasted to prevent them from burning.
3) By steaming - This is more advanced technology where a steam cooker makes the shell soft so it is easily removed. Finally, you can get to eat the fresh cashew nuts!
From this production, they can extract cashew oil for cooking or Cashew nut shell liquid (CNSH) as a raw material in chemical applications. The shells can also be used as biomass fuel. Growing a cashew tree is indeed very useful in many ways!

One more fun fact is that cashew trees grow flowers and produce fruits in the winter and not during summer! That is why only tropical countries can grow them.  The nutritional value is also high with the rich amount of phosphorus, manganese, zinc and iron. After all that you have learnt, aren't you keen to taste some nice, fragrant cashew nuts?_________________________________________________________________________________
This article was first published on the blog of SnackFirst.

Motherhood has changed us

Motherhood is really a scary experience. We went through so much pain, sufferings and many sleepless night to care for another human being. Unconsciously, all mothers have changed during this journey.