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I'll be the voice for nuance from the hiring side. We still filter many roles by degree for efficiency, so lacking one closes doors, that's …
Went through this with an inconsiderate upstairs unit. First, for renovation noise, HDB has permitted renovation hours and noisy work is res…
We went the room-only route the whole two years to maximise savings for our flat, and for us it was the right call, but it takes the right s…
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…
Regular JB-goer here, worth it IF you play the timing game, brutal if you don't. My rules: go on a weekday if you can, never Saturday mornin…
Ran the numbers properly before buying, so here's the framework. Total car cost = COE + OMV/price + road tax + insurance + parking (home + w…
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…
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 …
Depends on your cashflow and phone habits honestly. I do contracts because I like upgrading to the newest phone every couple of years and I'…
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…
The key concept most people miss is accrued interest. Whatever OA money you use for housing, you must eventually 'repay' to your own CPF wit…
Switched from banking ops to UX design at 34, now 38. Things I wish I knew: one, your savings runway matters more than your passion. I had 1…
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…
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 …
Just got married, so fresh numbers. The banquet is the monster, hotel per-table costs are high and you're often expected to invite a big gue…
I'll be honest, I let mine sit for years thinking it was too small to matter, then finally used it and regretted waiting. I did a part-time …
From my experience, the golden rule is to face forward, not backward. Never badmouth your boss or company even if it's justified, because in…
HR-side experience here, so let me demystify it. For fresh grads, yes you can negotiate, and no, a reasonable ask will almost never make the…
Been through five reservist cycles now with kids, and the mental shift that helped me most was treating it as a forced two-week detox rather…
Ran a small online biz through this. The core rule: GST registration is compulsory once your taxable turnover crosses the prescribed thresho…
We went resale in Bishan in 2023 because we simply could not wait 4 years, and I don't regret it, but the cash was brutal. The valuation was…
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…
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…
Mixed feelings after 5 cycles. The camaraderie is genuinely the best part, you reconnect with a bunch of guys you'd never otherwise see, and…
My underrated pick is Coney Island plus the Punggol waterway area, we cycled the whole stretch and packed our own food, spent almost nothing…