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Married 6 years, my husband was the spender. What saved us was the "three pots" system. Joint account for shared stuff (rent, utilities, gro…
Push back, but do it smart. Variable bonus is discretionary so you can't demand it, but you CAN make your manager go to bat for you. I did t…
I stopped trusting the viral lists and started exploring my own neighbourhood coffee shops and older hawker centres like the ones in mature …
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…
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…
Family with two kids here, we crunched the numbers hard. Owning a mid-range car all-in (COE, depreciation, insurance, road tax, petrol, park…
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…
We did restaurant after fighting over exactly this, and zero regrets. Honest breakdown from attending all three types: hotel = polished, sea…
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, …
The core trade-off: Standard Plan gives you a higher, level monthly payout that stays the same for life, while Escalating Plan starts you of…
I've learned to split my bonus with a simple system: a chunk to debt or mortgage if any, a chunk to long-term investing, a chunk to savings,…
I've done both. MNC gives you a brand name that opens doors forever, plus proper processes you can learn and carry anywhere. SME gives you r…
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…
Balloted five times over four years lah. Mature estates like Queenstown, Bishan, Kallang are basically impossible for first-timers unless yo…
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 do both but split it, and the logic that helped me was thinking about which bucket of money it is. My CPF SA top-up is my bond allocation,…
Relax, at 40k a year you are nowhere near needing GST registration, so your friend scared you for nothing. GST registration is only compulso…
From my experience, it depends on urgency and your budget. Polyclinics are subsidised and much cheaper, especially for citizens and PRs, but…
Sorted mine out after the same confusion, here's the honest breakdown. MediShield Life alone covers subsidised (usually B2/C class) treatmen…
First car surprised me with the recurring stuff, not the upfront. Things people underestimate: 1) parking, a season pass at home (HDB/condo)…
Been in this exact bind. Key points from experience: 1) ICT is a legal obligation, your employer cannot penalise, threaten, or dismiss you f…
Been through many reservist IPPTs from a desk-job body, here's the efficient approach for the 3 stations (push-ups, sit-ups, 2.4km run). Giv…
Whole experience depends massively on the landlord type. Live-in landlord means cheaper sometimes but more rules and less privacy. Fully ten…
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'…
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 …