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Still very doable if you know where to look, just avoid the touristy and CBD centres. My go-tos: economy rice with one meat two veg still la…
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 use a hybrid. I let CPF OA pay the bulk of the monthly instalment so my cash flow stays healthy for emergencies and my kids' stuff, but I …
Relax, this happens to loads of NSmen and it's very manageable. What typically happens if you don't pass IPPT within your window: you'll be …
Classic. Stop relying on the meeting to show your value, build a paper trail instead. Send project updates over email with senior people cc-…
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…
Two separate things here, both important. First, ACRA registration: if you're doing business under your own name exactly as per NRIC and it'…
HDB only allows ONE dog per flat and it must be an approved breed/small type, plus you must license it with the authority (used to be AVA, n…
Ran a noodle stall in a coffeeshop for three years, and let me kill the romance with real numbers first. Rent in a decent coffeeshop can be …
Working parent of two, drop the guilt first, it doesn't help anyone. HPB guideline is under an hour a day of quality screen time for that ag…
Used both my base credit and the mid-career top-up well, so here's my framework. First, don't pick a course, pick a career goal, then find t…
Run a side store too. Short answer, yes, income from a trade or business is taxable regardless of how small, and you're expected to declare …
Two kids through PSLE, opposite experiences taught me this: tuition is a tool, not a default. My elder was coping fine in school so we skipp…
Depends on your cashflow and phone habits honestly. I do contracts because I like upgrading to the newest phone every couple of years and I'…
Don't panic and definitely don't send a desperate 'I'll take less' email immediately, that screams insecurity and weakens you before they ev…
HR-side experience here, so let me demystify it. For fresh grads, yes you can negotiate, and no, a reasonable ask will almost never make the…
After 8 years married, the setup that worked for us: a joint account for shared expenses (mortgage, utilities, groceries, kids later) that w…
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…
Been there at 47. First, breathe. Practical steps that actually helped me: 1) Registered with WSG (Workforce Singapore) career matching, the…
HR manager here, and asking is normal, not entitled, most people just do it badly. What works: come with a business case, not a grievance. D…
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…
Been retrenched at 47, came out the other side, so hear me out. First month, do these in order. One, sort the money: confirm your retrenchme…
Regular JB-goer, it's worth it IF you play the timing and logistics right, otherwise the jam eats all your savings in wasted hours. My hard-…
The unspoken rule: your ang bao should roughly cover your seat's cost (so the couple doesn't 'lose money' on you), scaled by venue and your …
Nobody can time COE, I learned this the expensive way. It's a bidding system driven by quota and demand, and while quota is projected to inc…