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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…
Been through PSLE twice with my two kids. The biggest thing that saved us was accepting early that PSLE is not the end of the world, and act…
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 do both but split it, and the logic that helped me was thinking about which bucket of money it is. My CPF SA top-up is my bond allocation,…
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 …
We did restaurant after fighting over exactly this, and zero regrets. Honest breakdown from attending all three types: hotel = polished, sea…
Cai png is a trap because 'three veg one meat' quietly became 5-6 bucks. What actually cut my spend without misery: 1) cook rice in bulk (ri…
I stopped trusting the viral lists and started exploring my own neighbourhood coffee shops and older hawker centres like the ones in mature …
We went the room-only route the whole two years to maximise savings for our flat, and for us it was the right call, but it takes the right s…
Switched from Singtel to Circles.Life two years ago and it was one of my easier money-saving wins, cut my bill from 55 to about 20 a month f…
Did ours for roughly this range and yes it's doable, but 250 guests at a hotel banquet is the exact combo that blows budgets. Here's the rea…
I do it every year and here's my reasoning. It's not either-or with investing, it's about the role in your portfolio. My CPF SA is my bond a…
Worked in HR/payroll, so let me clear this up. AWS (Annual Wage Supplement, the 13th month) is NOT required by law in Singapore, MOM encoura…
Mid-40s, used both my base credit and the mid-career top-up wisely, here is my take. The top-up (the bigger one for those 40 and above) is s…
Helped a friend through this, and the biggest thing I learned: you don't need to fix it, you need to stay. What worked: 1) show up consisten…
We were in your exact spot and chose resale specifically because living with in-laws was straining our marriage, and no flat is worth your r…
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…
I took the counter-offer in 2022, a jump from 6k to 7.1k plus a 10k retention bonus with a 12-month clawback. On paper it looked great lah, …
We survived the grind by being ruthless about protecting one non-negotiable slot a week, for us it was Sunday brunch and a walk, phones in t…
I've been through PSLE with two kids and the second time was much calmer because I stopped micromanaging. Kids can't focus when a parent is …
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…
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…
The clean way to think about it: OA earns 2.5% guaranteed. Your HDB loan charges 2.6% (0.1% above OA rate). So paying the loan with OA "save…
I held out for years taking Grab and MRT everywhere, then my second kid came and everything changed. Lugging a stroller, a diaper bag and a …
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…