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The wisest ways to spend your money

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Congratulations, you made it through the year with a few extra bucks in hand. Perhaps it is the result of excellent spending habits throughout the year or perhaps your employer has decided to reward your hard work with bonus – either way, this is good news.

With all the year-end sales that are taking place at almost every shop around the corner, we understand the temptation to ‘reward’ yourself by shopping. You might convince yourself that you do need to step into 2020 with a brand new pair of kicks, or even a new power outfit that screams ‘new year, new me’.

However, we are here to recommend a few better ways to invest in yourself and your family, to ensure that 2020 will be a great year.


  1. Subscribe to a gym plan


Having a gym membership can often be viewed as a luxury instead of a need. However, if subscribing to a gym plan is what it takes to get you to exercise more regularly, we recommend doing so. Some of the perks of having the full access to a gym includes having a designated place with all the right equipment for an optimum work out.

You might also make a few friends along the way, which in turn could prove to be an additional motivator to stay in shape. According to NBC News: “Group fitness programmes are less likely to skip workouts, which helps keep them on track.”

Some gyms also offer the help of personal trainers. While this might not be necessary for all, those who have specific goals when it comes to exercising will find this handy. Honestly, you don’t have to opt for a membership at a fancy gym in town. Be smart with your pennies and compare the prices and perks of all the gyms in the vicinity of your work or home before making a decision.


  1. Spend more on quality food and health supplements


Food is the one thing that you should not skimp on because your wellbeing is a direct reflection of what you put into your mouth. However, eating healthily does not always have to be expensive. It just means taking extra vegetables and fruits and less fatty items. We recommend shopping at the local markets to get some of the freshest produce at great prices.

However, if you have the means to step it up a notch, you can “invest” in organic food. The name itself signifies that the food is free from pesticides. A slew of studies have shown that organic food also contains higher amounts of nutrients which are good for the body. According to WebMD, if you can manage the higher price, and you like the idea of no pesticides and a more environmentally friendly production system, organic food may be for you.

You can also do more for your health by including extra supplements into your daily routines. They typically include amino acids, fatty acids, enzymes, probiotics, herbals, botanicals, and animal extracts to boost your nutrient intake. They may work in treating deficiencies or reducing the risk of a medical condition. Very Well Fit recommends a multivitamin/mineral supplement as it will provide all the micronutrients your body needs and are generally safe.


  1. Get protected with a comprehensive insurance plan


Remember that your health is the ultimate wealth. On top of the many precautions you take to stay healthy, sometimes you could still find yourself or your family in a mishap or an unfortunate situation. That is why insurance plan is the best investment you can ever make.

First, identify the type of insurance coverage that you would need before comparing the products that are available in the market. We suggest learning more about AIA សម្រាប់ជីវិត (Samrab Chivit), a life insurance solution that covers 26 conditions of critical illnesses and medical operations not only in Cambodia but also overseas.

AIA Cambodia is also offering a wide-ranging protection through an affordable premium, with its brand-new life insurance solution dubbed Additional Accident Benefits. Aside from offering protection against non-accidental and accidental death, dismemberment and burns, it also provides hospital allowance to cover medical expenses in case of an accident.

This solution also covers a wide range of potential accidents, including as a result of fire, construction failure, drowning or natural disaster, plus others. If you would like to find out more about Additional Accident Benefits or AIA Samrab Chivit, you can find more details on aia.com.kh or contact an AIA Life Planner or AIA Client Care service on 086 999 242 for a more in-depth chat.


Sources: Charter Fitness, Mayo Clinic, AIA Cambodia, Khmer Times, Well Living, Lendup, Better Health Australia, Very Well Fit, WebMD.

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