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Nobody can time COE, I learned this the expensive way. It's a bidding system driven by quota and demand, and while quota is projected to inc…
Went through the process and found it more rigorous and formal than my previous fintech interviews. Several rounds, a good amount of behavio…
I grew up in a one-room rental flat and I know this fear intimately. What helped me was first acknowledging that the anxiety came from a rea…
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…
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 …
Two kids through PSLE, opposite experiences taught me this: tuition is a tool, not a default. My elder was coping fine in school so we skipp…
Family with two kids here, we crunched the numbers hard. Owning a mid-range car all-in (COE, depreciation, insurance, road tax, petrol, park…
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 …
The accrued interest thing is the part people don't understand until it's too late, so let me stress it. Every dollar of OA you use for the …
First car surprised me with the recurring stuff, not the upfront. Things people underestimate: 1) parking, a season pass at home (HDB/condo)…
Registered mine once it got serious, here's what I learned. Two separate things people confuse: 1) ACRA business registration, generally req…
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…
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…
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…
From my experience, timing is everything for a JB drive. Weekends are the worst, so if you must go on a weekend, cross super early, like bef…
Ran a small online biz through this. The core rule: GST registration is compulsory once your taxable turnover crosses the prescribed thresho…
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…
Not overreacting, 3 hours daily commute is 15 hours a week, basically two extra unpaid workdays of your life. That's a legitimate quality-of…
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…
Ten years into a 25-year HDB loan here. Honestly, day to day you don't feel it because our CPF OA covers most of the monthly installment, so…
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…
Did nanny for my first, family help for my second, so I can compare directly. The confinement nanny is expensive but for a first-time mum wi…
I keep waiting and Grab-ing, and for us it mathematically wins by a mile. We spend maybe 400 a month on Grab and public transport combined, …
My daughter is now in JC and I'll tell you what I wish I knew at your stage, the PSLE score mattered far less than we panicked about, but th…
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…