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From my experience, first check your employment contract for any conflict-of-interest or moonlighting clause, because some companies restric…

We kept things mostly separate for the first few years and it worked fine because we both earned similar and had no kids. But the moment we …

Cat owner in an HDB flat, and yes the landscape changed, so here is the practical picture. HDB moved towards allowing cats under a proper ca…

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 …

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…

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…

Ran a small online biz through this. The core rule: GST registration is compulsory once your taxable turnover crosses the prescribed thresho…

Use both strategically, that's the real answer. For a simple acute thing, cough, flu, mild infection, a private GP is usually worth the extr…

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…

Been contributing to SRS for years, here's the honest calculus. SRS is worth it in proportion to your marginal tax rate. If you're in a high…

From my experience, what you're describing sounds a lot like burnout, and losing interest in things you used to enjoy is a real warning sign…

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…

Nurse here, seen both sides of the ward. My honest take: MediShield Life alone covers you well for B2/C class in public hospitals, which in …

Ran a noodle stall in a coffeeshop for three years, and let me kill the romance with real numbers first. Rent in a decent coffeeshop can be …

I accepted a counter-offer once and regretted it within 6 months. Here's why: the reasons I wanted to leave (bad manager, no growth) didn't …

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…

We had the same tension and honestly I had to let go of a lot of control, which was hard for me as a first-time parent. My realisation was t…

Negotiated up about 12 percent at a local SME last year. The trick with SMEs is they're less rigid but also more personal, so frame it right…

I stopped trusting the viral lists and started exploring my own neighbourhood coffee shops and older hawker centres like the ones in mature …

From my experience, it depends on urgency and your budget. Polyclinics are subsidised and much cheaper, especially for citizens and PRs, but…

Did the big banquet and honestly it mostly broke even after ang bao, so let me demystify the money first. For a hotel banquet in SG, guest a…

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 …

Switched from ops to data analytics at 34, so real talk. SkillsFuture Credit alone won't get you hired, a 40-hour cert is a signal not a pas…

My honest lesson, I let excitement rush me and I overbought. Got a nicer model than I needed and the depreciation plus running costs stretch…

I hopped at 11 months once and nobody blinked. The trick is you don't make it a pattern. One short stint on your CV is fine, two or three ba…