Mind Over Money

Joan Tong

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A Monthly Curated Newsletter

In an environment of rising inflation and uncertainties in global geo-political climate, almost no one is spared from the economic consequences of the day. It is therefore more important than ever to be intentional and mindful in how we manage our finances in our daily living. Here, I have put together some resources which you can tap on to help you gain a better insight on how you can be more savvy with your money.

Inflation woes? We crowdsourced 9 grocery-shopping tips from aunties

Feeling the pinch? Here's a list of simple hacks when you're out shopping for essentials.

How To Create a Personal Budget in 6 Steps

Budgeting allows you to effectively track and manage your income so you can control how much you spend and save. Use the following steps to create and manage a successful budget

JAPANESE MONEY SAVINGS TIPS - Kakeh - Shsei

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Proudly Brought to You I seek to reach out to people who believe in safeguarding the interests of their loved ones. Let me know if I can be of help to someone you know or care about. We can make a difference to lives when it matters most. Cheers.
Joan Tong

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This newsletter is not representative of the views of the company.

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Testimonials and Referral Notes

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Corlissa Ling. Financial Consultant. AIA Singapore

When Joan came to our agency to do a training, I liked that she was very comprehensive in covering what we needed to know. It was an easy to follow and fun session overall. She's also an approachable person. Thanks Joan & HQ!

Jason Teo. Financial Services Manager. Prudential Singapore

Joan was proactive and engaging in generating ideas in which I found practical. I have gained quite abit of insights and I highly recommend any person who's in the sales line out there to adopt this system, and you should too!

Christopher Joo. Financial Consultant. AIA Singapore

Joan came to our agency to do a training and we thought it was highly informative and engaging. She was also in giving us ideas in which we found practical and I highly recommend any salesperson to adopt this system. Get to know her!

Cassandra Foo. AIA RTP

We have been clients of HQ for a couple of years now and recently we went to meet Joan today for a refresher session on the HQ platform and we found it very useful. Joan was patient in helping us to understand more in detail on how the system works and how it can be used to enhance our work and credibility. It was a pleasure meeting her up. Do catch up with her. You won't regret it.

Cliff Chen. Senior Financial Consultant. Great Eastern Singapore

Joan was insightful in generating ideas in which I found practical. It was a very interesting session and I highly recommend any salesperson and practitioner out there to adopt this system from HQ!

Yi Hui. Financial Consultant. Prudential Singapore

In the training conducted by Joan, she was effective, helpful & generous in sharing ideas that I found practical and useful. The HQ system is one system to check out as it is interesting and relevant, and I think anyone in the sales industry can benefit greatly!