| As the festive chaos and bustle and chaos taper off and we ease back into the rhythm of work and daily living, clarity rarely comes from doing more — it comes from removing what no longer serves us. From mental noise and digital overload to cluttered desks, disordered paperwork, and lingering subscription costs, the small accumulations of everyday life quietly weigh on us. By refreshing our physical, mental, and financial spaces with simple, sustainable habits, we create room for focus, steadiness, and renewed order — returning to our routines with greater calm and intention. | | Decluttering Mental Clutter Mental clutter arises from stress, thoughts, and past worries. Here are some suggestions to improve health, change circumstances, and reframe your past experiences to clear mental noise and reclaim control. | | What Is the 20 Minute Rule in Cleaning? The 20-minute rule involves committing to just 20 minutes of focused cleaning with a timer, making household chores manageable, reducing overwhelm, and maintaining consistent cleanliness over time. | | 10 Japanese Habits to Never Have a Messy Home  | | 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. | | Ruth Tan | | | | | | | | unsubscribe | You are receiving this email because you're my client, a friend or you've given permission to receive this email. If you'd rather not receive our emails, you can unsubscribe from our mailing list by clicking 'Unsubscribe' above.
© Ruth Tan, All rights reserved. | |  | | Simon & Tiara Fischer We have been searching for an insurance provider for the past 3 years and always came out feeling frustrated as most Financial Consultants are not knowledgeable in the products we were interested in, instead pushing us something that we don’t need.
We were introduced to Ruth by a mutual friend who switched her insurance policies to Ruth after her dad had a stroke. She went through a medical scare and I saw firsthand how Ruth helped her and provided an excellent service. Ruth provided something other Financial Consultants didn’t in the past - she cares.
When our daughter was born, we decided to approach Ruth to propose a plan and recommend products for our child’s future. We are impressed with her insights and touched by her dedication. We cannot recommended her enough. | |  | | Jerome Koay Ruth was my ex-colleague on the same team many years ago. We reconnected when I found out she had joined Prudential and I needed some help with reassessing my financial goals and status.
Ruth is professional, reliable, dedicated and eternally upbeat. She is also always empathetic and takes time to understand the financial goals I want to achieve and matches the different financial tools available with a high level of professionalism.
If you are looking for someone who is here for the long haul and someone who takes time to understand your needs and helps you to achieve your goals, I would definitely say that Ruth is the person to go to.
Wishing her all the best success! | |  | | Jasmine Ho Ruth takes time to look into what you have and tries to value add, often putting herself in the shoes of her customers and recommending only what she feels is essential. Thanks to her, I know I am adequately covered in the event something happens to me! | |  | | Mei Ying & Terence We met Ruth to review the multitude of insurance policies that we already had. Having bought them some time ago, we were unsure of our existing coverage and wanted to know if they were adequate and how we could make plans for our growing family.
Ruth explains our policies in a way that was so easy to understand and recommended us policies that catered to our specific needs. She has also been really approachable and prompt in responding to any questions - important qualities anyone would want in an financial consultant!
We have nothing but compliments for her and would highly recommend her to friends and family! | |  | | Evon Lim Ruth IS a superwoman!! Dedicated to her job, wants to help people, and always giving her best to BBGen. It's tough as a working mum and to be balanced (in all aspects is even harder.) I knew her as the yogi and barre instructor from 4-5 years back. I love her choice of music and her effort in ensuring her students are having fun. She is a go-getter. | |  | | Erik Lane I am very lucky to have come across a consultant like Ruth. She has been very professional, reliable and has proven to be very trustworthy in our dealings. She also happens to possess a fantastic sense of humor (which of course, I appreciate tremendously).
But in all seriousness, Ruth is very dependable and always has my back, despite the hour of the day. She has proven this on more than just one occasion. I would recommend Ruth highly as I do not know of a more professional consultant amongst those that work with my peers. | | | | |
