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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, as first-timer married couples buying a BTO you should check the CPF Housing Grants that apply to new flats, and if you'…
I felt the exact same way and honestly what shifted things was separating the wedding from the marriage. We were stressing over a big banque…
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…
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…
Enlisted at 24 after my degree, same worry as you. Honest truth: the age gap becomes a non-issue after week one. The younger guys actually l…
I took a counter-offer in 2022 and regretted it within 8 months. The extra 1.4k felt good on payday, but the trust was gone on both sides. M…
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 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, this happens to loads of NSmen and it's very manageable. What typically happens if you don't pass IPPT within your window: you'll be …
We faced the exact same banquet pressure from the older relatives. What we did was compromise smartly: a moderate hotel banquet to satisfy t…
Yes, you can use your Medisave for immediate family, spouse, parents, children, grandparents, siblings. I did exactly this when my mum was h…
Yes you can buy out. Under the Employment Act, either party can terminate the contract by paying salary in lieu of notice for the unspent po…
Cai png is a trap because 'three veg one meat' quietly became 5-6 bucks. What actually cut my spend without misery: 1) cook rice in bulk (ri…
I hopped at 11 months once and nobody blinked. The trick is you don't make it a pattern. One short stint on your CV is fine, two or three ba…
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, first check your employment contract for any conflict-of-interest or moonlighting clause, because some companies restric…
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…
It depends entirely on your contract, read the exact wording. Many SG companies prorate AWS based on months worked in the calendar year and …
Switched to an MVNO two years ago and never looked back. The digital-only telcos like the ones riding on the big networks give you 100GB-plu…
Cat owner in an HDB flat, and yes the landscape changed, so here is the practical picture. HDB moved towards allowing cats under a proper ca…
We held off buying because of COE and instead use a mix of public transport, Grab and car-sharing, and it works for us. With two kids I unde…
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 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 …
Still very doable if you know where to look, just avoid the touristy and CBD centres. My go-tos: economy rice with one meat two veg still la…