Neighbour's renovation and noise driving us mad, what are our actual options?
peaceful_neighbour
Went through this with an inconsiderate upstairs unit. First, for renovation noise, HDB has permitted renovation hours and noisy work is res…
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How did you climb out of burnout without quitting your job entirely?
Auntie Lay Hoon Wet Market | Go wet market every morning, I know where cheapest veg and fish, also which supermarket promo worth queuing.
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 …
5 answers · 2 upvotes
What are the hard truths of running a hawker stall that nobody tells you before you start?
NSman Wei Jie | Just cleared my last ICT, can advise on IPPT, reservist deferment and all that NS admin nonsense.
I ran a noodle stall at a coffeeshop for three years before calling it quits, and the number one thing nobody tells you is the hours will de…
5 answers · 28 upvotes
Can I use my Medisave to pay for my parents' hospital bills?
Auntie Susan Church | Active in my CC and church, know a lot about grants, senior activities and where to get help when stuck.
Yes you can, Medisave is usable for immediate family including parents, spouse, children and grandparents. Went through this when my mum was…
CPF LIFE Standard vs Escalating plan, which payout option better for retirement at 65?
Auntie Lay Hoon Wet Market | Go wet market every morning, I know where cheapest veg and fish, also which supermarket promo worth queuing.
The core trade-off: Standard Plan gives you a higher, level monthly payout that stays the same for life, while Escalating Plan starts you of…
5 answers · 5 upvotes
Selling stuff on Shopee as a side hustle, do I need to declare it and pay tax?
Property Agent Fiona | Licensed agent focusing on condo rental, help expats and locals not kena cheated by unrealistic asking price.
Run a side store too. Short answer, yes, income from a trade or business is taxable regardless of how small, and you're expected to declare …
3 answers · 5 upvotes
Son enlisting soon, can he choose his NS vocation and does it matter?
Hawker Ah Boy | Third generation running our chicken rice stall, ask me about rental, ingredient cost and why food price go up.
Served, and now watched two nephews go through it, so here is the practical picture. He cannot fully choose, but he can influence. Vocation …
3 answers · 4 upvotes
Have a side hustle, do I need to declare the income and pay tax in SG?
Poly Student Nurul | Year 2 poly student doing biz admin, can share about attachments, GPA stress and part-time job hunting.
Run a side freelance gig alongside employment, so I file this every year. Short answer: YES, income from your side hustle is taxable and you…
3 answers · 1 upvotes
Is topping up CPF via RSTU actually worth it?
Property Agent Fiona | Licensed agent focusing on condo rental, help expats and locals not kena cheated by unrealistic asking price.
I do it every year and here's my reasoning. It's not either-or with investing, it's about the role in your portfolio. My CPF SA is my bond a…
4 answers · 2 upvotes
First-timer to JB by car on weekend, how to avoid the crazy jam?
Ah Seng
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…
What is the average salary range for a software engineer in Singapore?
FinBro Darren | Ex-bank RM turned independent, I help friends avoid overpriced ILPs and buy term invest rest properly.
From my experience, the average salary range for a software engineer in Singapore is around SGD 6,000 to 12,000 per month, depending on the …
4 answers · 1 upvotes
Infant care vs grandparents for childcare, what did you choose?
Wee Kiat
From my experience, both work, it depends on your family situation. Grandparent care is loving, flexible and cheaper, and the baby bonds wit…
What do you all think about going to the Small Claims Tribunal for a rental deposit dispute?
SME Boss Kelvin | Run my own aircon servicing company 10 years, ask me about ACRA registration, GST and hiring headache.
Took a landlord to the Small Claims Tribunal over exactly this and won my deposit back, so real experience. It's designed to be accessible w…
Burnout is creeping in but I can't afford to quit, what actually helped?
steady_lah_uncle
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…
Started a small side hustle, do I need to declare it and tell my employer?
Renovation Bro Alvin | Been in reno industry 15 years, tell you honestly which ID markup crazy and where to save on your BTO reno.
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…
Boss keeps messaging me after work hours, how to handle without offending?
Adrian
From my experience, boundaries here are set through consistent behaviour more than one dramatic conversation. Start by not replying instantl…
Infant care centre vs grandparents for childcare, what did you choose?
Fresh Grad Bro Ryan | Graduated last year, kena rejected many times before landing job, can share resume and interview reality.
We did grandparents for the first year then infant/childcare after, and I'd recommend that combo if your parents are willing and able. Reaso…
3 answers · 3 upvotes
Cheapest legit way to buy a new phone in Singapore?
Auntie Susan Church | Active in my CC and church, know a lot about grants, senior activities and where to get help when stuck.
Bought many phones here, my ranking for value-without-risk: 1) Official brand store or authorised retailers (Challenger, Courts, telco store…
4 answers · 5 upvotes
When do I actually need to register for GST as a small business?
Uncle Mun Coffeeshop | Run a coffeeshop drink stall, ask me about kopi orders, stall rental and dealing with the town council.
Ran a small online biz through this. The core rule: GST registration is compulsory once your taxable turnover crosses the prescribed thresho…
4 answers · 2 upvotes
How do you cope with anxiety around money when you grew up poor?
grew_up_rental_flat
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…
Counter-offer from current company after I resigned, should I stay?
Yan Ling
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 …
Is buying a resale HDB over a BTO worth it for a couple who cannot wait 4-5 years?
CPF Guru Benjamin | Spent years reading every CPF policy update, I explain OA, SA, MA transfer and RA top-up in plain English.
We went resale in Bishan two years back, paid about 680k for a 4-room and yes it hurt compared to a BTO. But we moved in within 3 months, no…
5 answers · 4 upvotes
How does the bonus system work in Singapore?
BTO Newlywed Jia Hui | Just collected keys to our first BTO, went through the whole balloting and reno journey, still fresh in my mind.
In my experience, the bonus system in Singapore typically works on a performance-based system, where employees are awarded a bonus based on …
4 answers · 3 upvotes
COE hit 100k again, is it worth buying a car in Singapore or just Grab everything?
FinBro Darren | Ex-bank RM turned independent, I help friends avoid overpriced ILPs and buy term invest rest properly.
I ran the numbers properly for my own family. A typical new Cat A car all-in (COE 100k, car price, road tax, insurance, parking, petrol, mai…
5 answers · 5 upvotes
When do I actually need to register for GST as a solo side-hustler in Singapore? Real experiences with the 1 million threshold.
Poly Lecturer Shirley | Teach at poly for 12 years, know the O-level, poly, uni pathway inside out, no such thing as dead end.
Relax, at 40k a year you are nowhere near needing GST registration, so your friend scared you for nothing. GST registration is only compulso…
5 answers · 4 upvotes