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Been through PSLE twice with my two kids. The biggest thing that saved us was accepting early that PSLE is not the end of the world, and act…

Bought at a high with a newborn, no regrets on the need, some regret on timing. Here's my honest take: COE is driven by quota supply and dem…

Depends entirely on your life stage and where you stay. When we had a newborn and stayed in a non-central area, the car was a lifesaver, no …

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…

From my experience, always verify the person renting to you is the actual owner or an authorised agent, ask to see proof, because subletting…

We went resale and I don't regret it, but go in with eyes open. We wanted to live near my parents in a mature estate for childcare help, and…

We were in your exact spot and chose resale specifically because living with in-laws was straining our marriage, and no flat is worth your r…

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…

Controversial take, but I gave up my car entirely and switched to a mix of Grab, public transport and occasional car rental for family outin…

Balloted five times over four years lah. Mature estates like Queenstown, Bishan, Kallang are basically impossible for first-timers unless yo…

Did ours recently, so real numbers-ish. The big buckets: banquet (usually the biggest, hotel vs restaurant vs void deck changes everything),…

I do it every year and here's my reasoning. It's not either-or with investing, it's about the role in your portfolio. My CPF SA is my bond a…

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 …

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…

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…

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…

Helped my parents choose and studied it hard for myself, so here's the plain-English version. All three pay you for life, the difference is …

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 …

Went poly (design-related) after O levels despite parents pushing JC, now working in the field and happy. Here is the honest breakdown. JC i…

For ~150 for two and 'feels special', my move is lunch sets at higher-end places, same kitchen, half the dinner price. Many atas restaurants…

Born and raised here, my go-to cheap weekend list that's actually good, not just "go park" filler: 1) The green corridors and connectors, th…

I helped my mum through this last year so let me break down the real mechanics. At 65 the money in your Retirement Account is used to buy th…

My honest lesson, I let excitement rush me and I overbought. Got a nicer model than I needed and the depreciation plus running costs stretch…

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…

Cleared IPPT after years of failing, so I feel your pain. Real talk: the RT (RT/FCC) is honestly not as scary as the dread. It is a fixed nu…