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I actually tracked this for a year after selling our car. Owning realistically costs a lot monthly once you total COE amortised over 10 year…
Bought a resale last year, went through the COV drama. Few things that actually work: one, get your own valuation done first via HDB after y…
I fought mine through the Small Claims Tribunal and got most of it back, so yes it's winnable, but preparation is everything. My landlord tr…
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…
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…
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…
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…
From my experience, under the Employment Act your salary must be paid within seven days of the last day of employment, and an employer gener…
I split my emergency fund into two buckets. The first two to three months of expenses sit in a high-yield savings account for instant access…
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…
We took non-mature in Punggol back when it was still ulu and full of construction dust. First two years I complained non-stop, no proper cof…
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…
Let me give the less rosy take. The savings are real on paper, but I stopped doing it regularly because the jam and the whole day it consume…
Used both my base credit and the mid-career top-up well, so here's my framework. First, don't pick a course, pick a career goal, then find t…
I took over a stall at 29 and I'll give you the completely unfiltered version. The romance dies on week one when you realise the day starts …
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…
From my experience, 38 is not too late, and your sales background is actually an asset in tech, think roles like sales engineering, customer…
The single most important thing: the boundary must come from your husband, not you. If you push back on his mother directly, you become the …
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…
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 …
Regular JB-goer here. My timing rule: go super early, like leave home before dawn on a weekend, cross before the crowd wakes up, and come ba…
You're not unreasonable at all, and honestly this conversation matters more than the flat. My husband and I split proportionally by income, …
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…
I bought a car right after my first kid was born and honestly for a young family it changed our lives, but let me be clear about the real co…
I've been through PSLE with two kids and the second time was much calmer because I stopped micromanaging. Kids can't focus when a parent is …