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Went through the process and found it more rigorous and formal than my previous fintech interviews. Several rounds, a good amount of behavio…
HDB dog owner here. The rules: one dog per HDB flat, and it must be an HDB-approved breed (there's an official list of small breeds like Shi…
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…
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…
Did a hotel banquet, so let me give you the honest math instead of the myth. The saying is ang bao covers the banquet, and it is PARTLY true…
It depends entirely on your contract, read the exact wording. Many SG companies prorate AWS based on months worked in the calendar year and …
Did ours recently, so real numbers-ish. The big buckets: banquet (usually the biggest, hotel vs restaurant vs void deck changes everything),…
My daughter is now in JC and I'll tell you what I wish I knew at your stage, the PSLE score mattered far less than we panicked about, but th…
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,…
Let me give the cautionary but fair view. Owning a dog in an HDB is absolutely doable, many do it happily, but it's not for everyone and imp…
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…
I pushed my elder child into JC because of prestige and honestly regretted it because she struggled and lost confidence. With my younger one…
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…
Retrenched at 47, bounced back in five months, so it's possible but the game is different at our age. What actually moved the needle: networ…
Congrats on ORD. Straight answer: after your full-time NS you serve as an Operationally Ready NSman for a number of years, during which you …
From my experience, the fix is documentation and quiet visibility, not confrontation. Start putting your ideas in writing before meetings: a…
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…
When my mum turned 55 we learned a few things the hard way, so here's the practical version. At 55 the RA is formed and it holds the sum nee…
We faced the exact same banquet pressure from the older relatives. What we did was compromise smartly: a moderate hotel banquet to satisfy t…
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…
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…
From my experience, what you're describing sounds a lot like burnout, and losing interest in things you used to enjoy is a real warning sign…
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…
First, yes, check the HDB approved breed list and get the licence sorted, that part's straightforward. The real challenges nobody warns you …
After 8 years married, the setup that worked for us: a joint account for shared expenses (mortgage, utilities, groceries, kids later) that w…