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I turned down a counter-offer and I'm glad I did. The classic pattern is: they match your salary now because replacing you is expensive and …

Went through the Small Claims Tribunals (SCT) against a contractor, won, so here is how it really works. First, check eligibility: the SCT h…

I made the jump at 36 from a marketing role into a data analyst position, no CS degree, self-taught SQL and Python over about 14 months whil…

Sorted mine out after the same confusion, here's the honest breakdown. MediShield Life alone covers subsidised (usually B2/C class) treatmen…

Did a hotel banquet, so let me give you the honest math instead of the myth. The saying is ang bao covers the banquet, and it is PARTLY true…

Went through this with my mum's knee replacement and the subsidised restructured hospital route was absolutely worth it for us, with realist…

I used to blurt out my current salary and it capped every offer. Now I frame it around total package. I say something like: 'My current tota…

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…

Been through PSLE with two kids, one high-strung like yours. What helped most was me changing, not the kid. I stopped treating PSLE like lif…

After years of hawker hunting, my tells: 1) uncle/auntie queue over tourist queue, if the office crowd and neighbourhood aunties queue, it's…

Yes you can, Medisave is usable for immediate family including parents, spouse, children and grandparents. Went through this when my mum was…

From my experience, what you're describing sounds a lot like burnout, and losing interest in things you used to enjoy is a real warning sign…

Rule one, never badmouth your current boss even if he deserves it, because the interviewer immediately imagines you saying the same about th…

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…

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…

I'll be the voice for nuance from the hiring side. We still filter many roles by degree for efficiency, so lacking one closes doors, that's …

I'll be the cautionary voice. We applied pre-marriage, got the flat, then hit a rough patch and seriously considered breaking up while alrea…

I hit that exact wall two years ago, and the turning point was actually going to a GP and being honest, which got me a referral and a short …

For ~150 for two and 'feels special', my move is lunch sets at higher-end places, same kitchen, half the dinner price. Many atas restaurants…

My advice: since none lock you in, just try the cheapest heavy-data option first (usually Simba on promo) with an eSIM so switching is insta…

We went resale precisely because we didn't want to rent and burn money for 4 years. Do the math properly: renting a decent flat is easily 2.…

Been there, corporate pressure cooker, dreading Mondays, running on empty. Here's what pulled me out. Step one was medical, I saw a GP becau…

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…

When my mum turned 55 we learned a few things the hard way, so here's the practical version. At 55 the RA is formed and it holds the sum nee…

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…