5 Ways To Plan For Your Future

Everyone wants to be financially independent. Youths like me, who are still finding our way in life as we approached the real deal of adulthood, hope that one day, we will be able to make enough money to sustain our living. We want to be able to earn enough to spend on the necessities that we need and the luxuries that we crave yet having enough money for rainy days and for retirement.

Despite having a national savings scheme in the form of CPF which covers your housing and health expenditures as well, we still need to be self-reliant when it comes to personal finance. Such financial literacy becomes all the more important when the cost of living in this island are getting higher each year.

According to a recent study done by local bank DBS, they found out that more than 50% of their customers aged 20 – 35 either do not plan or do not know how to plan financially. As for the remaining who plan for financial goals, the majority of them do not exactly know the estimated target amount needed to achieve each goal. To one’s relief, 3 in 5 young adults do want to manage their money better in order to help them achieve their future goals – be it buying a home, growing their money or for self-development.

So with that, we decided to just share with everyone 5 simple ways to plan for your future because being financially stable and independent is our future.

1. START SAVING, BIT BY BIT


I remembered watching this old MediaCorp Ch8 sitcom “Don’t Worry, Be Happy”. The uncle of the main character was being rather stingy at times but that’s because he lives by a financial motto: Sedikit-sedikit, lama-lama jadi bukit. Despite it being a Chinese show, it actually provided me with my favourite Malay phrase of all-time. The Malay proverb actually meant, “Bit by bit, and over time, it will accumulate into a mountain”.

Although that doesn’t mean you should be stingy with every penny. Instead, we should learn to set aside some money as our savings every month. For those who are working, whether as a part-timer or have already stepped right into the workforce, put aside a percentage of your income into your savings account. By the meaning of SAVINGS account, it means that you should not be touching the money inside at all unless it’s very emergency.

NOTE: Dying to buy a Hermes bag that’s at 60% off during this GSS season but you do not have a spare cash to spend on it is NOT an emergency.

I think we all do need some discipline when it comes to weighing between what is emergency spending and what’s not.

If you would like some tips on how to save money, do check out 5 Most Cheapskate Ways to Save Money.

2. PLAN AHEAD

Planning ahead means that you have to sit down with a pen and paper (or in front of your laptop/PC) and start to think ahead. Where do you want to be in 5 years time? How do you want to live your life in 10 years time?

It is inevitable that there are many uncertainties in life, but it is important to plan for at least 5 years ahead. It will give you the enough time to actually deliver what you’ve actually planned for yourself amidst all the uncertainties. There’s a reason why government plan always come in 5 years (remember a certain Stalin’s 5-Year plan for Soviet Russia back in the late 1920s and early 1930s?).

Plan backwards. Once you see where you want to be in 5 years, start planning backwards. Instead of an unachievable big leap forward towards your goal, break them into smaller steps. For instance, if you want to complete a full marathon in 5 years, and if you hadn’t been running, go for a 5km run in your first year. In the second year, upgrade and train for the 10KM. Maybe try running that distance for about 5-8 times at the pace you are comfortable in before moving on to the next milestone. Of course, you don’t run your half marathon straight, go for 12, 14, 16, and as long as you feel that you are comfortable with the distance already, move on, add another 1-2KM to your next run. By the third year, you are most likely ready for the half marathon. And you are half-way there already. The difficulty increases as you move beyond the 21KM, it becomes more tough and challenging. Yet, as long as you persevere, train right and take the right nutrition, your plan to compete your first ever full marathon can be fulfilled.

It’s the same as in life. Things eventually gets tough but you’ll always need to have that mental prepareness. That’s why planning ahead is so important. You give yourself and aim and the strategy to achieve it. Being clear of your goals and taking small steps towards it helps you make your life better.

3. DIVERSIFY YOUR INCOME

(Image: Janisrae)

There is an old English proverb that goes “Do not put all your eggs in one basket.”

Indeed, imagine what happened if that basket dropped on the floor, you might just be left with no eggs at all. There is no secret that most major conglomerates actually venture into more than one industry. For instance, Berkshire Hathaway, led by Warren Buffett, currently has ventures in insurance (GEICO), retail (The Pampered Chef, Helzberg Diamonds, etc), media (Buffalo Evening News) and real estate (HomeServices of America) – just to mention a few.

Make investments, open a small company that is sustainable, write a blog, be a freelance, even picking up new skills at your own free time. These will actually help you receive money via several streams of income.

There are actually 3 types of income for your consideration.

a) Earned income: This is basically the money that you’ll be getting in the form of salary – something that you exchanged your time and effort with. It is one kind of fixed income. There is not much fluctuations, unless you receive a rise/drop in your paycheck or that you’ve decided to change your job.

b) Passive income: This is the money that you’ll get when you sell something more than it had cost you initially. It’s like selling things you’ve got on Taobao on Carousell or even opening your own business outside of your full-time work. You know, you can be the boss of a company yet you actually personally work for another company. As long as there’s no conflict of interest, I think this is a pretty good way to earn some extra money. Furthermore, it’s your own business.

c) Portfolio income: By portfolio, it means selling your investments at a higher price than you’ve initially made. Although it requires quite some time and effort to do the necessary research and gain credible knowledge about your investments, but the capital gains that you are going to receive from it might be more than what you’ve actually earn from your earned income or your passive income. But there’s always a risk to meddle with.

4. EXPERIENCE DIFFERENT JOB ENVIRONMENT

(Image: PinsDaddy)

Planning for the future also means finding THAT industry that you are willing to stay in for for at least 10 years. You might change job but never change your industry too fast. Give yourself some time to gain enough experience so that once you change job, you can upgrade your salary as well – instead of changing career path.

Unless you are very sure about your passion, spend your teens or years as a student to experience the different job environments out there in the market. Be a retail sales person, work in the F&B industry, shut yourself within the four walls of the office doing admin/office work, run around perspiring or squeeze your creative juices at media companies or test your limits with kids in the education industry. You will meet different people while working in different environment, experience things that you’ll never get to experience before (not to be biased but I strongly think being in the media industry gets you the best exposure to almost everything).

Slowly, you will find where your real passion lies and you will understand that the industry that you eventually venture in would probably be the best for you. You won’t even want to think about leaving your industry because you’ve experience first-hand of how other industry is like and the reason why you didn’t venture there in the first place.

It will give you the mentality to push yourself in your industry. Passion will eventually turn to cash, as long as you stay rooted to it.

5. TALK TO A FINANCIAL ADVISOR
If you are still unsure of how to be financially independent for the future, you should speak to a financial advisor. I know many of you, me alike, do not really trust financial advisors or basically anyone when it comes to money. You might be that they might pressure you into some investments or insurance that you are totally not interested in. Same here.

However, at DBS’s NAV Hub, they offer young adults free personalised financial planning sessions with no financial products being sold. In other words, don’t be sceptical once you’ve stepped into the comfy shophouse because they are not going to sell you any financial packages that you are not ready to invest in under this new initiative by DBS.

No financial transactions, just helping customers to navigate through life changes, uncertainties and opportunities.

Through a roughly one-hour session, you can learn more about their current financial health, as well as understand their financial goals and how to achieve them. In addition, you can also obtain financial planning tips from the NAV online space and attend monthly financial planning classes at the “NAV Hub” conducted by industry experts to boost your financial literacy.

“NAV HUB” is housed at 45 Tras Street, just some 5-minute walk away from the nearest MRT station at Tanjong Pagar. Do make a booking of the available slots HERE before heading down.

Nothing You Do In Life Will Be Wasted: Jaime Teo

(Image: DBS)

Speaking at the premiere screening of the latest episode of Sparks, former beauty queen Jaime Teo urges youngsters to seize every opportunity that comes along the way.

“It’s all life, just be the moment and enjoy it. You never know when is going to put in need in future. And even if you don’t, so what? Enjoy it! Don’t keep thinking that ‘No, I don’t want to do this.’ It’s never like that, it’ll come.”

Jaime has previously co-founded cupcakery chain Twelve Cupcakes in 2011. Baking is her hobby outside of her entertainment career. If anyone requires real-life substantial evidence on how you should pick up a few skills and knowledge along the way, Jaime will be our best example. Indeed, you will never know when your expertise will come in handy. Life is unexpected and having an expanded field of expertise will definitely pay off well into the future.

She elaborated on what her co-star Nathan Hartono, who rose to prominence last year after coming in as runner-up at the Sing! China competition, had said.

Recalling upon the series of events that lead up to his current success story, he shared how he managed to go from winning a competition organised by local magazine Teenage back in 2005 to making his mark on the international stage some 10 years after.

“The best strategy I’ve found over time is: don’t wallow, don’t be bitter, just keep your head down, keep working, and inevitably you are going to get better in whatever you do. The opportunities that come will become better and better.”

Exercise To Be Strong 

Jaime and Nathan sharing about successes. (Image: DBS)


Jaime, also an avid fitness enthusiast, recalled how she managed to carry a 35kg luggage up a flight of stairs when she returned from one of her holidays. “I told my mum, you know, this is why I work out. I couldn’t have done this a few years ago,” she revealed.

She added that after embarking on her fitness journey, she felt like she became stronger. “I don’t want my body to just be slim, I want to be strong and the thing is that when my body becomes stronger, it became it is not so important to me the number on the weighing scale.”

Many people, me alike, will have the tendency to overlook the benefits of getting fit. We all have the perception that the number on the weighing scale defines whether you are fit or not. It does not seem to be the case. Throughout my fitness journey, it is inevitable for myself to get overly self-conscious over, so much so that there are times when I came close to become bulimic (Thank God I have yet to become one). The whole point of getting fit is to be healthy and that means putting yourself through monstrous and food depriving diet will defeat the entire purpose. Strive to have 3 balanced meal per day, after all, you need the energy that will help you last through the day and your every workout. I need to admit that I am guilty of going on a crash diet that makes me feel kind of weak and somehow screwing up my entire energy-producing mechanism in my body.

I think Jaime’s words really pulled me back to reality and make me realised that fitness is not a short term plan but it’s a lifelong one. That being said, it has to be sustainable. Crash diets are never sustainable.

Both Jaime and Nathan will star alongside Adrian Pang, James Yang, Jamie Ha and Darren Tan in the mini-series that follows a group of young bankers as they navigate work and personal lives. Nathan playing as the young version of Adrian’s character, Chester. This latest episode will see us go back in time with Chester, to when he meets his first clients – a young couple (portrayed by Darren and Jaime) who owns a small bus company. It also gave a narrative on how he, guided by values he holds close to his heart, stands with the family through thick and thin.

Sparks Episode 7: Stand By Me is now available for viewing on YouTube. You can click HERE to watch.

Get Fit This Summer At Marina Regatta 2017

The annual DBS Marina Regatta is back again this year. Into its sixth year now, it will be packed with a slate of unmissable activities to take outdoor enthusiast, fitness lovers and party goers alike from day to night, whilst watching top dragon boating teams from around the region battle it out against the iconic Marina Bay skyline for Asia’s highest prize purse of S$134,000.
 
For fitness lovers like me, this edition of Marina Regatta is more of a regatta – it’s more than just watching fitspos rowing their dragon boats across our scenic bay. With many other activities lined up for you, it is going to be fun for you and your peers because you will be entitled to the summer of your life.
 
Complimentary Sailing Sessions
 
(Image: DBS)
 
Eventgoers will have a chance to try out sailing in the Bay during the regatta with the DBS’ 18-m tall Swedish Match 40 sailboats – the first of the kind in Asia. These sailboats were debuted in 2015 as part of the DBS Marina Bay Sailing Programme
 
The Sailing Programme has been a part of the regatta since 2013 so that eventgoers like us will not miss out on the fun of sailing.
 
Take on Singapore’s largest inflatable water obstacle course
 
(Image courtesy of DBS) Artist impression of Marina Regetta 2017
 
For those of you who love “Wipeout”, here’s a chance for you to live it! This year’s edition of the regatta will see the debut of BATTLE BAY – Singapore’s LARGEST inflatable water obstacle course – spanning over 11,000 sq ft.
 
Famous local DJ Jamie Teo will also be taking the challenge at the Battle Bay on 2 June, together with our very own Nathan Hartono.
 
With an affordable price of S$10 per try (S$5 for student), there’s really no harm trying out and test your fitness level!
 
For those who would like to complete as a team, do register your interest at www.dbsmarinaregatta.com.
 
I will definitely be there to take on the challenge so hope to see you guys there!
 
Free Workout Classes
 
(Image: DBS)
Fancy free fitness lessons? Fitness apparels brand lululemon will be curating their globally popular classes, which features FREE handpicked workouts such as barre classes with WeBarreyoga with Yoga+; and high-intensity circuit workouts (HIIT) with F45.


These workout classes will be hosted in a nine-meter tall Play Dome on 3 and 4th June, so get ready for entering the weekend fit!
 
To make you feel extra motivated to sign up for all the classes, participants who complete all classes will get a surprise from lululemon! (Of course, on top of that, feeling fit is the main deliverable HAHAHA). Now, grab your buddies and sign up for the lessons here!

Replenish Your Energy At Bay Eats & Coconut Bar

(Images: DBS)


What should you do after your workout session? Replenish your energy, of course! Situated right beside the Play Dome, there is a food village called Bay Eats. Curated by The Local Peoples, Bay Eats will feature food stalls from award-winning and top new eateries in town – such as the “Neo-Sin” restaurant Labyrinth, French eatery Garcons, The BellJar, Leng Leng ice cream and more!

(Image: DBS)


For those who are interested something liquid and to get that summer experience with some cocktails, like those you seen on TV, you will not be disappointed! Potato Head – a famous beach club from Bali – will be bringing their legendary Coconut Bar to Singapore FOR THE FIRST TIME, complete with their signature uber fresh coconut cocktails and beers! Those who have a craving for burgers could also try out the delicious burgers (such as their signature cheese burger Bubba Huey, and buttermilk fried chicken sandwich Honky) from their Three Buns gourmet restaurant! (The patty used in their burger is really very juicy)

DBSMR X Ultra Countdown Party


#TBT Dat skyline though  Early Bird tickets on sale. DON’T MISS OUT! www.ultrasingapore.com/tickets
Posted by Ultra Singapore on Wednesday, 11 January 2017


For those of you who are looking for some clubbing opportunity this summer, the DBSMR X Ultra Countdown Party is definitely a fit for you! DBS is partnering Ultra Music Festival – the world’s premier electronic music festival to feature a prelude to the actual Ultra Singapore event (which will be happening the following weekend) at the Regatta. It will feature three deejays from the Festival every night, including Dubvision, Crossnaders, Raiden, Jade Radif, Moe and Myrne. 

(Image: DBS)


The parties will take place on 2 – 3 June, from 7pm to 10pm. Partygoers will stand a chance to win tickets to Ultra Singapore. Furthermore, there’s good news for DBS Live Fresh cardholders out there, because you will get priority access to the countdown party!

 


// DBS MARINA REGATTA 2017
Dates: 1 June (4pm – 9pm), 2 – 4 June (10am – 10pm)
Venue: The Promontory @ Marina Bay
Price: Free admission

Sparks & Chill

(Image: Screenshot from Sparks Mini-Series)
 
While waiting for your next job (aka army – yes I am going to enlist soon) means that you have a lot of time on hand. Okay, not really but no doubt that I am more in control of my time as compared to previously (although my schedule is still packed af). Apart from my eat, sleep, shit, exercise, and read routine, I took some time to watch videos – like films and dramas.
 
And from that screenshot above, you know what kind of film genre I am into.
 
ROMANCE.
 
(Image: Lovethispic)
 
However, this drama (or mini-series) that I watched recently wasn’t a drama on romance. Well, at least it’s not the main point in the storyline. Romance fits into any genre perfectly, and romance definitely will catch the attention of people like me who hopelessly indulges in the world of fantasy.
 
(Image: DBS Hong Kong)
 
SPARKS is a mini-series by DBS. It is an industry-first mini-series that follows a group of young bankers as they navigate work and personal lives. 
 
 
The personal life part for the female lead, Claire Lee (played by Jamie Ha), and the male lead, Jasper Wu (played by James Yang), is more drama than a Channel 8 Drama. Look at the screenshots above and you’d thought this was some English remake of a typical Taiwanese idol drama.
 
Since SPARKS is a mini-series, means that one won’t need to spend a lot of time watching the entire drama. And since the latest episode was being released just last month, I could actually spend no less than an hour binge-watching the entire series. Yup, there are 6 episodes and each has an average duration of around 8 minutes.
 
 
I’ll always have a habit of eating while watching my dramas and there’s no exception this time, even though the running time may be less than an hour. But hey, many drama-watchers will surely agree with me that eating/snacking while catching up on your shows just enhance the entire experience – it activates all your senses.
 
 
Always wanted to try the GRUB restaurant near my house and I remember how enticing it was whenever I ran past that place during my runs. So might as well call for delivery since Deliveroo can help to deliver. I asked for the delivery before I reached home so that I do not need to wait too long for the food to arrive before I can start on the show.
 
 
Shouldn’t be eating in bed but well, at least I made sure that my bed sheet does not get stained.
 
 
Perfect (late) dinner with a nice drama. While others “Netflix and Chill”, it was “Sparks and Chill” for me.


Obviously chilling.


For every drama I’ve watched, I always look out for things that I could learn from it and there is no exception this time round as well.


Through this mini-series, DBS hopes to convey the true meaning of banking, and to challenge the perception that banking is only about transactions. This reflects the bank’s commitment to understand what matters in life, and integrate banking seamlessly with everyday living. 




This is my favourite quote from the entire series. I like every aspect of doing business, and who doesn’t like to earn more money? But then again, there is something much more important and irreplaceable than money and that is humanity and life. While doing business, there are times we have to be tough, but there are also times when we have to “let life take charge”. 


Business and banks alike, I think it’s important to put profits aside in some circumstances, go forward and do your best to help your customers and clients. You’ll never know when these acts of humanity will result into something much better. (You will understand what I am talking about when you watch the series.) From what I know, DBS believes in going the extra mile for customers so that they can achieve their dreams and get more out of life. To make things happen, while leaving them with time and space to do what matters the most. To me, that’s really very good gesture .


Here is the synopsis for each episode:
 
In this pilot, Claire Lee, a relationship manager, is introduced to cocky, Oxford-educated Jasper Wu, her new colleague. Sparks fly when they meet. A reluctant Claire is asked to show Jasper around, and then to visit a potential client together.
 
A potential client, Lindsay, is in a predicament. Claire and Jasper get to know each other a litter better, and evaluate Lindsay’s plan with the rest of the team. Will they manage to successfully solve Lindsay’s issue?
 
The team manages to help Lindsay secure her loan, but an unforeseen development throws them off and tests them further. The young bankers hatch a plan to solve the new issue, but with big player in the way, will they be able to win over their community?
 
A new boss and an old acquaintance set Team DBS on a new mission. When an unexpected situation tests their mettle, they must dig deep and find their worth.
 
An impossible decision threatens to tear the bankers apart. And in their quest for the ultimate solution, they found something more valuable than they ever imagined.
 
The bankers embark on an incredible journey. Together, they challenge traditions and work to change the future of an entire village. Will they prevail?


Since launching in February 2016, SPARKS Episodes 1-5 and their trailers have altogether garnered more than 42 million views and over 1.7 million digital engagements across the region.


For the first time, we are going to have a GIVEAWAY! I know you guys also want to order Deliveroo and as my followers, you’ll get to double your winnings! We are going to give away 2 x S$30 Deliveroo credit that will be credited into your Deliveroo account so that you can also dine from the comfort of your home! 

Simple follow the following steps:
1. Like my Facebook page and DBS’s Facebook page.
2. Like and Share my post (the original post).

[Blog Updated and Giveaway!] Stand a chance to win S$30 Deliveroo credit! Simply: 1. “Like” Eddy Chua and DBS Bank….

Posted by Eddy Chua on Thursday, 13 April 2017

 

3. Watch Sparks mini-series all at one go and take a photo that shows us how you enjoy SPARKS with your favourite binge-watching snack.

4. Head over to https://www.facebook.com/dbs.sg/videos/1311183795662533/ and leave your entry as a comment. (Remember to tag me @Eddy Chua so that I know you’ve participated!)

What are Adrian Pang and Nathan Hartono up to these days? We hear they are busy binge-watching the DBS SPARKS…
Posted by DBS Bank. Living, Breathing Asia on Thursday, 13 April 2017

Now get going! Contest ends 30 April, 2017 (Sunday) at 2359! The lucky winner will be announced the next day! Really, you won’t regret watching the mini-series.

5 Ways to Speed Up Productivity

Everyone loves high productivity, but is it easier to be said than done? As a person who procrastinates too often, high productivity seems to be out of the question for me. I used to not be able to hand in my best work for school assignments periodically because of that very bad habit of mine – something that I usually referred to as ‘a peccadillo’.

As I grow up and becoming increasingly bothered by my constant unproductivity, I knew I need to do something to rectify my problem.

I ‘googled’ my problem and did some rather intensive research on the remedy. I experiment with a few of the suggestions and it turns out to be beneficial. Hence, I would like to share with everyone here on the 5 ways to speed up your productivity.

1. AVOID MULTITASKING & START PRIORITISING 

(Image: philmaffetone)


Everyone tends to make such a mistake. We all thought that engaging in multi-tasking will speed up our work. But, to disappoint you, no it does not.

Unless you are that 2% of the population who are capable of multi-tasking, but the chances are low, and we tend to overestimate our ability to do so. Just like you are unable to focus on the road while driving and talking on your phone at the same time, multitasking at work or studying has the same detrimental effect. Our brain needs time to refocus and studies have shown that multitasking reduces our productivity by 40%.


Instead of reading e-mails, scrolling through your social media accounts, reading random fanfics, working on your proposals, messaging your friends all within the span of 5 minutes, why not focus on one thing first, complete it, before moving onto the next one?

Prioritising is important. Prioritising what you have to do first can help you stay on track because you will be more organised this way. It will help to keep your mind clear from any distractions and your focus level will go up.
2. IMPOSE DEADLINE ON YOURSELF

(Image: Happyologist)

Since we are on ‘prioritising’, it would not be complete if we do not set a deadline for ourselves. We can be spending hours and days and probably weeks on the task that is on top of our priority list but that is going to defeat the purpose.

Imposing deadline on yourself will create the sense of urgency, expect for those of you are impervous to deadlines. I will always set a deadline for myself on when I have to get certain things done – even for my shopping and fitness schedule.


Spend a little time at the start of the week to schedule your work (if you have more than a week to complete them) evenly, so that you wouldn’t have to panic when the deadline is reaching. If your deadline is on Friday, try and complete it by Wednesday, so that you will have 2 days to fine tune them and make sure you produce your best possible work. It’s not going to be easy, but force yourself – that’s the best advice I can give because I am also still in the process of doing this right.


3. TAKE BREAK WHEN REQUIRED


Not as and when you like, but when required.

American self-help author Melody Beattie once wrote in “Journey to the Heart”,

“Rest when you are tired. Take a break when life stales. Take time to recharge your battery. Energy isn’t something you have – it’s something you are. To give and give and give, to put out without taking in, depletes your battery. It drains you, runs you down.”

Whenever I become wearied, I will put all my work aside and put my mind into rest mode. I am the kind of person who cannot focus once the fatigue level reaches a certain level and my brain will automatically shut down.


Instead of pushing yourself through the ordeal (and you can’t focus anyway), why not take a break, have a cup of coffee, have a KitKat or go for a walk. It’s good to put occasional 15-30 minutes breaks into your schedule so that you know the duration of the break you should be having and prevent yourself from turning a well-deserved break into a period of slacking.

 

4. SKIP THE QUEUE WITH APPS

 (Image: DBS Bank)


Thanks to the developments in technology, it is not surprising that there are mobile apps out there which can aid us in our cause for better productivity at the tip of our fingers. There is a “To-do List” app to keep track on your task, an “Accompany” app to keep track on your daily schedule and much more.


In Singapore, we all love food. But because of that, almost every hawker stalls, restaurants are full of crowds and it is inevitable that we have to spend much of our lunchtime queuing up for our favourite food (especially if your favourite food turns out to be everyone else’s favourite food).

I could be working on my articles or my videos instead of spending meaningless time stalking people scrolling through my social accounts while queuing.


One day, I was introduced to this app. It changes how I work, completely.

Okay, actually it’s a few apps.

Simply search for “DBS FasTrack” in your Apple or Google app store and you will see a list of restaurant apps appearing right on your screen.




Something like that.

After which, download the app that you wish to use.

Launch the app, order from a menu and pay for your food/drink on-the-go. Cashless payment is built into the apps so you can pay using your DBS/POSB credit or debit card, or with DBS PayLah! (a separate innovative mobile wallet app you’ve got to download which allows customers to transfer money instantly and conveniently to anyone, oven non-DBS customers!) [iOS] [Android].


There’s no doubt why DBS Bank is crowned the “World’s Best Digital Bank” in 2016 by Euromoney. They have been putting in efforts, such as embarking on a comprehensive and holistic mission, to change the culture and mindset of staff, re-architecting its technology infrastructure, and leveraging Big Data, biometrics and artificial intelligence to reimagine banking.


I don’t even need to bother about wasting time to queue. Just order it using the app and take note of the waiting time, go down to pick up your food/drinks once it is ready (the app will send you a notification). Just take and go, what can be more time-saving in comparison? It really helped me utilise my time to the maximum because instead of queuing, I could be doing my work to speed up my productivity.

Restaurants like Old Tea Hut, Five Star Restaurant, Old Kim Guan and Koufu (100AM and Square 2 branches) already have apps powered by DBS FasTrack available for download!

You can check out more information right here!

5. KEEP YOUR WORKING AREA CLEAN

(Image: Empiretoday)
 
My workplace is never that tidy. It is always in a constant mess, hence it explains why if I were to rush out my articles or any work, I will leave the comfort of my work desk and probably find myself sitting in the dining room to get them done.
 
The dining table is much cleaner as compared to my work desk – which is filled with magazines, stationaries, and drafts lying all around. It is not surprising how a cleaner workplace does aid in increasing your productivity level. 
 
According to a study done by Jeffery Campbell, PhD chair of the facilities management program at Brigham Young University, on the relationship between cleanliness and learning in higher education, 88% of the 1, 481 respondents reflected that ‘productivity, concentration and learning is hampered by dingy places.’ The reason being? When there are too many things on your work desk, you will tend to get easily distracted from what you are supposed to do.
 
 
Take me for an example. I have a stack of Men’s Health magazines on my desk, right beside my working area. Over the period of an hour when I was trying to research for this article, I’ve realised I’ve probably spent at least a quarter of the time flipping through the magazines. And after which, I got my brain really drained to even able to focus on my research. You see, when you are not focusing on something, that something suddenly becomes more interesting. 
 
Hence, remove everything that could be a distraction to you on your desk and keep it clean and tidy. If not, move to another tidier place where nothing else will distract you. Trust me, your productivity will increase.