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Let me give the cautionary but fair view. Owning a dog in an HDB is absolutely doable, many do it happily, but it's not for everyone and imp…
I'm a hawker, let me explain from the cost side. Everything I buy has gone up, chicken, rice, oil, vegetables, gas, packaging. When my ingre…
The accrued interest thing is the part people don't understand until it's too late, so let me stress it. Every dollar of OA you use for the …
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…
First, yes, check the HDB approved breed list and get the licence sorted, that part's straightforward. The real challenges nobody warns you …
I took a counteroffer once and regretted it within 8 months. The raise was real but the reason I wanted to leave, a manager who overloaded m…
After years of trial and error at my Ghim Moh and Old Airport Road runs, the sweet spots are around 11am to 11.20am for lunch, and 5.30pm fo…
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…
Renewed mine for 5 years last cycle, here is my logic. If your car is genuinely well maintained and you like it, renewing on the PQP (the av…
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…
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…
Passed a few of these while holding a full-time job, so here is the realistic plan. Coding round: yes it is usually leetcode-style. You don'…
You're not unreasonable at all, and honestly this conversation matters more than the flat. My husband and I split proportionally by income, …
Been an owner 8 years, two dogs. My honest math: insurance is worth it IF you'd struggle to fork out a sudden 3-5k for surgery, and it's mos…
I enlisted at 78kg overweight, went into the Physical Training Phase (PTP) first for the extra two months before BMT proper. Honestly that P…
I pushed my elder child into JC because of prestige and honestly regretted it because she struggled and lost confidence. With my younger one…
Yes, you can use your Medisave for immediate family, spouse, parents, children, grandparents, siblings. I did exactly this when my mum was h…
Whole experience depends massively on the landlord type. Live-in landlord means cheaper sometimes but more rules and less privacy. Fully ten…
From my experience, it depends on urgency and your budget. Polyclinics are subsidised and much cheaper, especially for citizens and PRs, but…
Parent of two who've been through this. DSA is genuinely worth it IF your child has a real, demonstrable strength they enjoy, a sport at nat…
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 …
I'm an ex-recruiter, here's the insider truth. We ask early to screen out people out of budget, so refusing to answer entirely can get you d…
Family with two kids here, we crunched the numbers hard. Owning a mid-range car all-in (COE, depreciation, insurance, road tax, petrol, park…
Send exactly one more, then mentally move on. Ghosting after final round usually means one of: internal hiring freeze, they picked someone e…
I held out for years taking Grab and MRT everywhere, then my second kid came and everything changed. Lugging a stroller, a diaper bag and a …