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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 …

We did a hybrid and it was the best of both, so consider that before choosing one extreme. Grandparents give love, one-on-one attention and …

I enlisted at 78kg overweight, went into the Physical Training Phase (PTP) first for the extra two months before BMT proper. Honestly that P…

Born and raised here, my go-to cheap weekend list that's actually good, not just "go park" filler: 1) The green corridors and connectors, th…

Enlisted at 24 after my degree, same worry as you. Honest truth: the age gap becomes a non-issue after week one. The younger guys actually l…

Feel you, prices really crept up. My real-world tactics that keep my food budget sane: hit the older heartland hawker centres and coffeeshop…

Not unreasonable at all, 3 hours of daily commute is 15 hours a week of unpaid life, that's a real pay cut in time. But don't quit on emotio…

Had a confinement nanny for my first, mum for my second, both worked but for different reasons. The nanny was worth every dollar for a first…

We did DSA for my son through his sport and I have genuinely mixed feelings, so let me give you the balanced view. The upside is real, he se…

Cleared RT twice, no drama, here's the deal. Failing IPPT means you're placed on the Remedial Training programme, you complete a set number …

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, …

Practical prep list from a fellow non-sporty survivor: start the 2.4km run twice a week and aim just to finish without walking, do push-ups …

Switched from Singtel to Circles.Life two years ago and it was one of my easier money-saving wins, cut my bill from 55 to about 20 a month f…

The trap I fell into with my first, comparing my child to the neighbour's kid and the cousins. I pushed too hard, our home became a pressure…

Been through five reservist cycles now with kids, and the mental shift that helped me most was treating it as a forced two-week detox rather…

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…

Controversial take, but I gave up my car entirely and switched to a mix of Grab, public transport and occasional car rental for family outin…

Regular JB-goer, it's worth it IF you play the timing and logistics right, otherwise the jam eats all your savings in wasted hours. My hard-…

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…

The thing everyone underestimates is accrued interest. Every dollar of CPF OA you use for the flat, you must return to your CPF with 2.5% co…

We went resale and I don't regret it, but go in with eyes open. We wanted to live near my parents in a mature estate for childcare help, and…

I was in the same boat and what worked was having one honest conversation with a clear ask. I told my boss exactly what I wanted: the manage…

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…

We faced the exact same banquet pressure from the older relatives. What we did was compromise smartly: a moderate hotel banquet to satisfy t…

MediSave is not a general wallet, it has specific approved uses and withdrawal limits, that is by design so it lasts till old age. In real l…