Always tired and low energy, went doctor but tests normal
Nabil
I had the same and it turned out to be a mix of stress and low iron even though the general test looked okay. Please go back to your GP and …
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Is buying a car in Singapore with COE so high even worth it?
Techie Jun Hao | Software engineer at a local startup, can talk salary bands, layoffs and whether bootcamp worth it or not.
Depends entirely on your life stage and where you stay. When we had a newborn and stayed in a non-central area, the car was a lifesaver, no …
4 answers · 23 upvotes
Emergency fund in a high-yield account vs Singapore Savings Bonds, what do you use?
steady_saver_sg
I split my emergency fund into two buckets. The first two to three months of expenses sit in a high-yield savings account for instant access…
How do you actually make sense of all the government schemes for a young family, are they worth the effort to apply?
Property Sis Cheryl | Agent who helps young couples decide BTO, resale or EC, I run the numbers with you no pressure to buy.
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 …
5 answers · 2 upvotes
Side hustle selling on Shopee, do I need to register business and declare income to IRAS?
Tiger Mum Serene | Two kids in primary school, survived PSLE once already, can share tuition and DSA strategy without the stress.
Two separate things here, both important. First, ACRA registration: if you're doing business under your own name exactly as per NRIC and it'…
5 answers · 3 upvotes
What's it really like switching from a stable civil service job to a startup in your 30s?
IT Support Ah Kow | IT support for an SME, fix people's laptop and printer whole day, can recommend budget gadgets that last.
Did exactly this at 33, left MOM after 7 years for a fintech startup at Mapletree Business City. First thing that hit me: no more clear repo…
5 answers · 2 upvotes
Eating out every day getting too expensive, how do you all cut food costs?
Data Analyst Wei Ling | Work as data analyst in a bank, can advise on breaking into data, SQL upskilling and which cert actually useful.
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…
3 answers · 3 upvotes
Switching careers into tech at 33, too late? Real Singapore experiences?
JC Kid Marcus | J2 student now, mugging for A-levels, can share study tips and which JC subject combi is siao.
Switched from a logistics admin role into data analytics at 34, so not dreaming, but let me be real about how. First, not too late, but you …
4 answers · 28 upvotes
What's it like using MediShield Life for a big hospital bill?
Auntie Rich CPF | Retired at 58 on CPF Life plus dividends, happy to share how I stretched my Special Account, ask me anything lah.
Dealt with this for my spouse's major hospitalisation. Practical reality, the system is well integrated, the hospital computes subsidy plus …
3 answers · 1 upvotes
Company cut variable bonus to 0.5 month, is negotiating pointless?
Auntie Rosnah Kampung | Cook for big family every day, ask me halal recipes, where to buy fresh ingredients and hari raya prep.
Push back, but do it smart. Variable bonus is discretionary so you can't demand it, but you CAN make your manager go to bat for you. I did t…
4 answers · 3 upvotes
Cheap but memorable staycation ideas in Singapore that aren't overrated?
budget_familytrips
My underrated pick is Coney Island plus the Punggol waterway area, we cycled the whole stretch and packed our own food, spent almost nothing…
Do I lose my AWS if I resign before December?
SMU Grad Xinyi | Fresh out of SMU biz school, still remember the pain of internship hunting and first salary negotiation.
It depends entirely on your contract, read the exact wording. Many SG companies prorate AWS based on months worked in the calendar year and …
4 answers · 4 upvotes
Keep failing IPPT during reservist, will I really kena RT the whole time?
Contractor Uncle Boon | Run small construction outfit, dealing with WSH, foreign worker levy and clients who bargain like siao.
Cleared IPPT after years of failing, so I feel your pain. Real talk: the RT (RT/FCC) is honestly not as scary as the dread. It is a fixed nu…
4 answers · 3 upvotes
Boss won't waive my 2-month notice, new job can't wait. Options?
Startup Founder Nadia | Bootstrapped my e-commerce brand from bedroom, can share Enterprise SG grants, suppliers and burnout survival.
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…
3 answers · 2 upvotes
What are the things you wish you knew earlier about switching careers at 35 in Singapore?
Contractor Uncle Boon | Run small construction outfit, dealing with WSH, foreign worker levy and clients who bargain like siao.
Switched from banking ops to UX design at 34, now 38. Things I wish I knew: one, your savings runway matters more than your passion. I had 1…
3 answers · 2 upvotes
Fiance wants to split all wedding and BTO costs 50/50 but earns twice what I do
Preschool Teacher Ling | Preschool teacher and mum of one, can guide you on childcare subsidy, MOE kindergarten ballot and school readiness.
You're not unreasonable at all, and honestly this conversation matters more than the flat. My husband and I split proportionally by income, …
BTO in a mature estate vs BTO in non-mature, which did you regret less?
TampinesUncle88
We took non-mature in Punggol back when it was still ulu and full of construction dust. First two years I complained non-stop, no proper cof…
How do I ask for a raise after 2 years of no real increment?
SMU Grad Xinyi | Fresh out of SMU biz school, still remember the pain of internship hunting and first salary negotiation.
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…
4 answers · 30 upvotes
O-level done, poly or JC? Feeling pressured to choose JC.
Grab Uncle Raju | Driving Grab full time 6 years already, can tell you which platform pays better and how to survive as PHV.
Went poly (design-related) after O levels despite parents pushing JC, now working in the field and happy. Here is the honest breakdown. JC i…
3 answers · 28 upvotes
PSLE stress is killing our family vibe, how did you cope?
letgo_mummy
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…
Which telco for value now, worth leaving Singtel for a SIM-only plan?
Joanne
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…
What's it like owning a dog in an HDB flat?
Career Switcher Priscilla | Switched from marketing to UX at 35 using SkillsFuture, can share how to pivot without going broke.
Let me give the cautionary but fair view. Owning a dog in an HDB is absolutely doable, many do it happily, but it's not for everyone and imp…
3 answers · 4 upvotes
Should I use CPF OA to pay my HDB loan or pay cash?
Uncle Chua Retiree | Retired civil servant, now enjoying my pension and CPF Life, happy to chat about aging well and staying active.
The "accrued interest" thing scares people unnecessarily, let me demystify it. When you use CPF OA to pay for your flat, you must return tha…
4 answers · 14 upvotes
Mid-career switch at 38 into tech, is it too late?
Desmond
From my experience, 38 is not too late, and your sales background is actually an asset in tech, think roles like sales engineering, customer…
SIM-only plan + buy phone outright, or telco contract? Which saves more?
Ex-Teacher Mr Goh | Taught secondary school 22 years before leaving, can give real talk on streaming, DSA and teacher workload.
Switched to SIM-only three years ago and never going back. Do the actual sum: a "free" phone on contract is baked into a higher monthly (eas…
3 answers · 4 upvotes