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Cross to JB almost monthly by car, so learned this the hard way. Timing is everything. AVOID Friday evening and Saturday morning going in, a…
Ran the numbers hard before buying with two young kids. Truth: owning a car in SG is almost never the cheaper option versus Grab and public …
In my experience, the bonus system in Singapore typically works on a performance-based system, where employees are awarded a bonus based on …
Working parent of two, drop the guilt first, it doesn't help anyone. HPB guideline is under an hour a day of quality screen time for that ag…
Ran this spreadsheet in detail before deciding to stay car-lite. The brutal reality: owning a car in SG easily runs $1,500-2,500+ a month al…
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…
Parent of two who went through PSLE, tuition is a tool, not a requirement. Diagnose before you spend. Look at his actual weak spots from sch…
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…
I interview candidates regularly, so here's what I actually think when I ask this. I'm not expecting a fairy tale, I know most people leave …
Went through this with an inconsiderate upstairs unit. First, for renovation noise, HDB has permitted renovation hours and noisy work is res…
First-time dad, went through it recently, so fresh memory. Practical tips that helped us. One, both parents' MediSave can be used for the de…
Married 6 years, my husband was the spender. What saved us was the "three pots" system. Joint account for shared stuff (rent, utilities, gro…
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…
Made the jump from a private MNC to a statutory board at 36 and five years on, I'd say it was worth it but manage your expectations carefull…
ABSD 20% is a huge upfront drag and it completely changes the math from the old days. On a $1.5M condo that's $300k in ABSD alone, on top of…
I ran a small home-based baking business alongside my 9-to-6 for two years, and the hard lessons weren't what I expected. First, check your …
In practice AWS (Annual Wage Supplement) and 13th month are the same thing, one extra month of basic salary paid usually in Dec. The naming …
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…
I deliberately went slow on CPF top-ups in my early 30s and I don't regret it, different philosophy. My reasoning was that in my 30s I value…
5k gross means roughly 4k in hand after CPF, and honestly in Singapore that disappears fast. Let me break down mine when I was at that level…
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…
You have more affordable options than the pricey private clinics. What I've used/researched: 1) polyclinic GP referral to a subsidised psych…
Ran a small online biz through this. The core rule: GST registration is compulsory once your taxable turnover crosses the prescribed thresho…
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…
I was unfit and dreading it too, but honestly BMT was more manageable than I feared. If you're really out of shape you might be posted to a …