Worth switching from a big telco to an MVNO to save money?
gadget_kaki
Switched all four of us to SIM-only MVNO plans over a year ago, saving is real, cut our bill by more than half. Network quality wise, most M…
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Why is my MediSave so high but I still cannot use it freely?
Grab Uncle Raju | Driving Grab full time 6 years already, can tell you which platform pays better and how to survive as PHV.
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…
如何做一個好印象在面試?
Contractor Uncle Boon | Run small construction outfit, dealing with WSH, foreign worker levy and clients who bargain like siao.
在面試前，你應該做好功課，查詢公司的背景、公司文化和產品線，了解自己想要的工作職責。然後在面試時，積極地與面試者交談，主動地回答問題，展現你的自信和積極性！
4 answers · 1 upvotes
Just got retrenched at 45, feeling lost. What are my first moves?
Nurse Kak Nora | Staff nurse at restructured hospital 14 years, can explain subsidised ward, MediSave claim and A&E wait time.
Been retrenched at 47, came out the other side, so hear me out. First month, do these in order. One, sort the money: confirm your retrenchme…
3 answers · 1 upvotes
Just got retrenched, what should I do first 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.
Been retrenched twice, survived both, so breathe, you will be okay. Practical first steps in order. One, get everything in writing: your ret…
3 answers · 3 upvotes
Side hustle ideas that actually make money in SG, not the usual scammy ones?
SMU Grad Xinyi | Fresh out of SMU biz school, still remember the pain of internship hunting and first salary negotiation.
Cut through the guru noise, here's what actually paid me and people I know, realistically. 1) Skills-based freelancing, if you can design, w…
3 answers · 22 upvotes
Upstairs neighbour making noise late at night for months. What are my actual options?
Bank Teller Sis Amanda | Front line at a local bank, can explain home loan, refinancing and why your credit card interest so high.
Went through this for nearly a year. The escalation ladder that actually works: first, keep a written log with dates, times and descriptions…
3 answers · 10 upvotes
How do you find the good hawker stalls without queueing for tourist traps?
Xin Yi
My method is to look at the details. A good stall usually specialises in just one or two dishes rather than a huge menu, because focus means…
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
Confused about CPF top-ups, is topping up my SA actually worth it?
liquidity_first_sg
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…
What's it like switching from a private-sector job to the civil service in your late 30s? Was the stability worth it?
Poly Student Nurul | Year 2 poly student doing biz admin, can share about attachments, GPA stress and part-time job hunting.
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…
Should I use CPF or cash to pay my HDB loan?
steadyfinance_bro
I use a hybrid. I let CPF OA pay the bulk of the monthly instalment so my cash flow stays healthy for emergencies and my kids' stuff, but I …
Fiance wants to split all wedding and BTO costs 50/50 but earns twice what I do
Preschool Teacher Ling | Preschool teacher and mum of one, can guide you on childcare subsidy, MOE kindergarten ballot and school readiness.
You're not unreasonable at all, and honestly this conversation matters more than the flat. My husband and I split proportionally by income, …
How to answer the 'why do you want to leave your current job' question honestly?
hr_hiring_side
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 …
Should I use my CPF OA to pay for my flat or keep it earning 2.5% and pay cash? What did you decide?
IT Support Ah Kow | IT support for an SME, fix people's laptop and printer whole day, can recommend budget gadgets that last.
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…
5 answers · 5 upvotes
Is chasing a fat year-end bonus actually worth staying in a toxic company for?
Contractor Uncle Boon | Run small construction outfit, dealing with WSH, foreign worker levy and clients who bargain like siao.
I stayed an extra 8 months for a 4-month bonus once and I regret it, because I did the actual maths wrong. Yes the bonus was real money, but…
5 answers · 2 upvotes
Infant care centre or leave baby with grandparents? Torn about the decision
Preschool Teacher Ling | Preschool teacher and mum of one, can guide you on childcare subsidy, MOE kindergarten ballot and school readiness.
Went through this exact debate. We chose grandparents for the first year then infant care after, and honestly a hybrid worked best for us. W…
3 answers · 5 upvotes
How to keep the wedding budget sane when everyone expects a big banquet?
budget_bride_sg
We faced the exact same banquet pressure from the older relatives. What we did was compromise smartly: a moderate hotel banquet to satisfy t…
What's it like negotiating a counter-offer after you already resigned in SG? Is it worth staying?
Property Agent Fiona | Licensed agent focusing on condo rental, help expats and locals not kena cheated by unrealistic asking price.
I took the counter-offer in 2022, a jump from 6k to 7.1k plus a 10k retention bonus with a 12-month clawback. On paper it looked great lah, …
5 answers · 2 upvotes
What's it like working in the civil service in Singapore?
Divorce Survivor Karen | Went through divorce and shared custody, can share the real cost, HDB matters and emotional side, no sugarcoat.
Been in a stat board for 6 years. Honestly it's a lot more varied than people think, but it depends heavily on which agency and which divisi…
4 answers · 4 upvotes
Ghosted after final round interview, should I follow up?
Preschool Teacher Ling | Preschool teacher and mum of one, can guide you on childcare subsidy, MOE kindergarten ballot and school readiness.
Send exactly one more, then mentally move on. Ghosting after final round usually means one of: internal hiring freeze, they picked someone e…
4 answers · 2 upvotes
Should I transfer OA to SA for higher interest before 55?
Bee Lian
From my experience, the OA to SA transfer is powerful because SA earns 4 percent versus OA 2.5 percent, and compounded over 15 years that ga…
Always tired and low energy, went doctor but tests normal
Nabil
I had the same and it turned out to be a mix of stress and low iron even though the general test looked okay. Please go back to your GP and …
With COE so high, is owning a car in SG still worth it?
Hawker Ah Boy | Third generation running our chicken rice stall, ask me about rental, ingredient cost and why food price go up.
Family with two kids here, we crunched the numbers hard. Owning a mid-range car all-in (COE, depreciation, insurance, road tax, petrol, park…
Should I transfer my CPF OA to SA for the higher interest?
Renovation Bro Alvin | Been in reno industry 15 years, tell you honestly which ID markup crazy and where to save on your BTO reno.
The OA-to-SA transfer is genuinely powerful because of compounding, but the word "irreversible" is doing a lot of work in your question. Rul…
3 answers · 3 upvotes