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Family with two kids here, we crunched the numbers hard. Owning a mid-range car all-in (COE, depreciation, insurance, road tax, petrol, park…
Had a confinement nanny for my first, mum for my second, both worked but for different reasons. The nanny was worth every dollar for a first…
After years of trial and error at my Ghim Moh and Old Airport Road runs, the sweet spots are around 11am to 11.20am for lunch, and 5.30pm fo…
I was in your exact spot, capped because the role above me wasn't going anywhere. I jumped after seven years and honestly it was the best ca…
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…
I stopped trusting the viral lists and started exploring my own neighbourhood coffee shops and older hawker centres like the ones in mature …
Retrenched at 47, bounced back in five months, so it's possible but the game is different at our age. What actually moved the needle: networ…
I took over my family's stall, so let me be blunt: the romantic image is mostly a myth. The hours are brutal, we're at the market before daw…
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…
Yes, you can use your Medisave for immediate family, spouse, parents, children, grandparents, siblings. I did exactly this when my mum was h…
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…
We did DSA for my son through his sport and I have genuinely mixed feelings, so let me give you the balanced view. The upside is real, he se…
Whole experience depends massively on the landlord type. Live-in landlord means cheaper sometimes but more rules and less privacy. Fully ten…
After 8 years married, the setup that worked for us: a joint account for shared expenses (mortgage, utilities, groceries, kids later) that w…
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…
You generally cannot sell on the open market before MOP, full stop, that's the rule and there's no "penalty payment" workaround to sell earl…
From my experience, the OA to SA transfer is powerful because SA earns 4 percent versus OA 2.5 percent, and compounded over 15 years that ga…
Did the big banquet and honestly it mostly broke even after ang bao, so let me demystify the money first. For a hotel banquet in SG, guest a…
The thing everyone underestimates is accrued interest. Every dollar of CPF OA you use for the flat, you must return to your CPF with 2.5% co…
Did ours recently, so real numbers-ish. The big buckets: banquet (usually the biggest, hotel vs restaurant vs void deck changes everything),…
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 …
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 …
MediSave is not a general wallet, it has specific approved uses and withdrawal limits, that is by design so it lasts till old age. In real l…
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 …
Not unreasonable at all, 3 hours of daily commute is 15 hours a week of unpaid life, that's a real pay cut in time. But don't quit on emotio…