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Regular JB-goer here, worth it IF you play the timing game, brutal if you don't. My rules: go on a weekday if you can, never Saturday mornin…
I was unfit and dreading it too, but honestly BMT was more manageable than I feared. If you're really out of shape you might be posted to a …
Here's how it actually works based on my own experience as a 30-something NSman. Each work year you get an IPPT window. If you don't pass IP…
Run a side freelance gig alongside employment, so I file this every year. Short answer: YES, income from your side hustle is taxable and you…
I stopped trusting the viral lists and started exploring my own neighbourhood coffee shops and older hawker centres like the ones in mature …
Switched from banking ops to UX design at 34, now 38. Things I wish I knew: one, your savings runway matters more than your passion. I had 1…
I've learned to split my bonus with a simple system: a chunk to debt or mortgage if any, a chunk to long-term investing, a chunk to savings,…
Mixed feelings after 5 cycles. The camaraderie is genuinely the best part, you reconnect with a bunch of guys you'd never otherwise see, and…
Two separate issues, tax and employment. Tax: yes, freelance income is taxable and you must declare it to IRAS as trade or self-employed inc…
We went resale and I don't regret it, but go in with eyes open. We wanted to live near my parents in a mature estate for childcare help, and…
My honest lesson, I let excitement rush me and I overbought. Got a nicer model than I needed and the depreciation plus running costs stretch…
Been exactly where you are, the Sunday night chest tightness, so first, that is real and you are not weak, that is your body waving a red fl…
Switched all four of us to SIM-only MVNO plans over a year ago, saving is real, cut our bill by more than half. Network quality wise, most M…
I hit real burnout two years ago, the dread-every-morning kind. What genuinely helped, in order: 1) I saw a GP first, they can assess if it'…
Been juggling a side business with a day job for years, so here's the balanced picture. It's genuinely doable and the extra income and skill…
From my experience, first check your employment contract for any conflict-of-interest or moonlighting clause, because some companies restric…
From my experience, under the Employment Act your salary must be paid within seven days of the last day of employment, and an employer gener…
Went through almost the same thing. First, keep everything in writing, WhatsApp and email are fine as evidence. Send a firm but polite writt…
I used to upgrade yearly and it was pure marketing-driven money burning, the year-on-year jumps are tiny now, mostly a slightly better camer…
Bought at a high with a newborn, no regrets on the need, some regret on timing. Here's my honest take: COE is driven by quota supply and dem…
Wish someone told me the mental game upfront. Physically BMT is designed for the average guy to pass, so unless you're very unfit you'll cop…
Took two months no-pay leave at the edge of a breakdown, and it probably saved my career, maybe more. Here's what I learned. First, see a do…
Just got married, so fresh numbers. The banquet is the monster, hotel per-table costs are high and you're often expected to invite a big gue…
Switched to an MVNO SIM-only plan two years ago, never looked back, but let me give the honest nuance. The MVNOs (the budget brands) actuall…
I accepted a counter-offer once and regretted it within 6 months. Here's why: the reasons I wanted to leave (bad manager, no growth) didn't …