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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…
With 192 (AL) you are in a solid band lah, but branded schools like the top IP ones usually need low single digit totals. Honestly for that …
In practice AWS (Annual Wage Supplement) and 13th month are the same thing, one extra month of basic salary paid usually in Dec. The naming …
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…
Regular JB-goer, it's worth it IF you play the timing and logistics right, otherwise the jam eats all your savings in wasted hours. My hard-…
Sold ours right after MOP and it worked out, but the paper gain is more of a mirage than people admit. Yes, you sell high, but you also BUY …
Helped my elderly parents with this every round. How it works: 1) each household gets a claim link (announced via SMS/news), you claim once …
My burnout came from tying my whole identity to my job. What shifted things was rebuilding a life outside work, even small, so the job stopp…
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 …
Relax, at 40k a year you are nowhere near needing GST registration, so your friend scared you for nothing. GST registration is only compulso…
Ran the numbers hard before buying with two young kids. Truth: owning a car in SG is almost never the cheaper option versus Grab and public …
I stopped trusting the viral lists and started exploring my own neighbourhood coffee shops and older hawker centres like the ones in mature …
Married 6 years, my husband was the spender. What saved us was the "three pots" system. Joint account for shared stuff (rent, utilities, gro…
Did the shielding for my mother two years ago, so I know the mechanics. The idea: just before 55, you invest most of your SA money into a sh…
After years of hawker hunting, my tells: 1) uncle/auntie queue over tourist queue, if the office crowd and neighbourhood aunties queue, it's…
Here's how it actually works based on my own experience as a 30-something NSman. Each work year you get an IPPT window. If you don't pass IP…
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…
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 …
I ran a stall for two years and closed it, so here's the cautionary tale. My food was good, people liked it, but I couldn't make the numbers…
Cross to JB almost monthly by car, so learned this the hard way. Timing is everything. AVOID Friday evening and Saturday morning going in, a…
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…
Nobody can time COE, I learned this the expensive way. It's a bidding system driven by quota and demand, and while quota is projected to inc…
Went through the process and found it more rigorous and formal than my previous fintech interviews. Several rounds, a good amount of behavio…
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…
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…