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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…
Served, and now watched two nephews go through it, so here is the practical picture. He cannot fully choose, but he can influence. Vocation …
Two kids here, maxed the CDA both times, zero regrets. Why it's worth it: the government dollar-for-dollar matches what you deposit up to a …
Passed a few of these while holding a full-time job, so here is the realistic plan. Coding round: yes it is usually leetcode-style. You don'…
Cut through the guru noise, here's what actually paid me and people I know, realistically. 1) Skills-based freelancing, if you can design, w…
Bought many phones here, my ranking for value-without-risk: 1) Official brand store or authorised retailers (Challenger, Courts, telco store…
Sold ours right after MOP and it worked out, but the paper gain is more of a mirage than people admit. Yes, you sell high, but you also BUY …
Two kids, so I know this well. Two separate things. One, the Baby Bonus Cash Gift is paid out to you in instalments over the early years, st…
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…
The single most important thing: the boundary must come from your husband, not you. If you push back on his mother directly, you become the …
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…
I actually tracked this for a year after selling our car. Owning realistically costs a lot monthly once you total COE amortised over 10 year…
I've done both. MNC gives you a brand name that opens doors forever, plus proper processes you can learn and carry anywhere. SME gives you r…
After 8 years married, the setup that worked for us: a joint account for shared expenses (mortgage, utilities, groceries, kids later) that w…
I moved to a SIM-only plan two years ago and never looked back, but do check your usage first. I was paying for way more data than I actuall…
Yes you can buy out. Under the Employment Act, either party can terminate the contract by paying salary in lieu of notice for the unspent po…
Lived with in-laws for 3 years waiting for our flat, so I've been in the trenches. What kept the peace: first, your husband must be the one …
Been through it with two kids, and the honest answer is most of these are genuinely worth it and less admin than you fear, because a lot is …
I was in the same boat and what worked was having one honest conversation with a clear ask. I told my boss exactly what I wanted: the manage…
Consider the renting-while-waiting math seriously because it can eat the BTO savings. We didn't want to stay with parents so we rented a roo…
Cross to JB almost monthly by car, so learned this the hard way. Timing is everything. AVOID Friday evening and Saturday morning going in, a…
Ran the numbers properly before buying, so here's the framework. Total car cost = COE + OMV/price + road tax + insurance + parking (home + w…
My burnout came from tying my whole identity to my job. What shifted things was rebuilding a life outside work, even small, so the job stopp…
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…
In practice AWS (Annual Wage Supplement) and 13th month are the same thing, one extra month of basic salary paid usually in Dec. The naming …