With a PSI in the 200+ range, the issues brought by the Singapore haze can cause a major dent in your budget.
There’s something wrong with our clean air. Such as, it’s not there anymore.
Most of us know the Singapore haze is a health hazard, but have you considered its effect on your pocket? Here are seven ways the haze is hurting more than just your lungs:
Your Health Care Bills can Go Up
According to the Health Promotion Board, being in the haze can trigger serious conditions in people already suffering from respiratory illnesses (e.g. asthma) or cardiovascular problems (e.g. hypertension). Even worse, you may not know you’re sick for almost up to three days–then out come the medical bills and messed up work routine.
In order to avoid a visit to the doctor, stay indoors if possible. Limit outdoor activities to under 45 minutes, and this is definitely the wrong time for a barbeque or long jog along the beach.
Prepare to Buy Air Conditioning and Air Purifiers
The best way to keep the haze out of your home is to close up the doors and windows. The problem, as you may have noticed, is that the Singapore weather will then turn your home into a sauna. This leads to a rock and hard place situation, where you are choosing between intense heat and sooty lungs.
A fan is the best compromise. Just be sure not to turn on the fan when the windows are open, or you’re just circulating dust.
For those of you with respiratory problems, or who have elderly people, pregnant women, and children at home, you are probably going to need an air purifier with a HEPA filter. These start at S$200 for small bedroom units, and can be as expensive as S$1,000 for larger rooms.
You can offset some of the costs by using a cashback credit card to pay for it. The American Express True Cashback Card gives 3% cashback for the first S$5,000 you spend. This means you save S$30 on a S$1,000 air purifier, assuming you can pay the bill in full by the due date.
Have an Outdoor Job? Maybe It’s Worth Taking Leave
If you have an outdoor job, now may be a good time to use your leave. Whether you’re selling insurance at a roadshow or you’re a fitness trainer, remember this: it’s better to lose a few days of work, then to get sick and miss weeks of it. Besides, it’s unlikely that you will have many customers right now, since everyone is staying in.
Hanging Your Clothes Out to Dry? That Can Cost You a Bundle
The grey smog you’re seeing is caused by particulate matter – solids suspended in the air, which quickly clings to things. Things like damp clothes. So if you decide to hang your laundry out, here’s something consider:
In 2013, it was noticed that when the PSI climbed above 200, a white shirt hung out to dry would turn grey in around two hours. There’s no reason to believe it will be different this year.
In short, hang your damp clothes out to dry and you may (1) use more water and detergent for a second clean, or (2) end up buying new clothes if that ash grey colour proves permanent.
It Can Develop Chronic Asthma in Children
The Ministry of Health has said that the haze can cause “the development of chronic respiratory diseases, such as asthma, in children”. In short, that means children without asthma can develop it and suffer from it permanently.
That means the occasional $150 hospital visit to use a nebuliser unit, $15 inhalers that need to be replace most of their lives, and worse if their condition is severe. Oh, and did we mention insurance premiums are likely to go up?
In short, exposing your children to the haze can result in a lifetime of heightened medical costs. There’s no good reason not to keep the family indoors these few days.
Expect to Spend More on Cabs and Uber Rides
Unless you want to endlessly inhale pollutants while waiting for the bus, you may want to brace for higher cab fares. The train is not so bad; most MRT stations are enclosed environments. But even then, do you want to walk from the station to your destination?
It’s time to crunch numbers–about $15 per cab ride, versus being teary eyed, nauseous, and paying doctor’s bills. Most of the time, the taxi may be the better choice.
Your Outdoor Fitness Sessions Might Expire
Quite a few outdoor yoga sessions and cycling sessions will be postponed as a result of the haze. So here’s a money-saving reminder: many of these programmes come with a time limit as well as a given number of sessions.
For example, a yoga package may have 10 sessions, but require you to complete those sessions within a month. Remember to check these details if you postpone sessions, so they aren’t wasted by expiry.
Weigh the cost of going out against the potential medical bills–for the most part, it’s not worth playing the hero. Stay indoors, lest you choke yourself and your wallet.
Photo Credit: Brian Jeffrey Beggerly
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By Ryan Ong
Ryan has been writing about finance for the last 10 years. He also has his fingers in a lot of other pies, having written for publications such as Men’s Health, Her World, Esquire, and Yahoo! Finance.