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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…
Feel you, prices really crept up. My real-world tactics that keep my food budget sane: hit the older heartland hawker centres and coffeeshop…
Two separate issues, tax and employment. Tax: yes, freelance income is taxable and you must declare it to IRAS as trade or self-employed inc…
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…
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'…
I had the same and it turned out to be a mix of stress and low iron even though the general test looked okay. Please go back to your GP and …
My go-to reset is a day cycling the whole Coast-to-Coast trail or the Round Island Route stretches, then ending at a hidden coffeeshop for a…
Let me give the less rosy take. The savings are real on paper, but I stopped doing it regularly because the jam and the whole day it consume…
My underrated pick is Coney Island plus the Punggol waterway area, we cycled the whole stretch and packed our own food, spent almost nothing…
Same wake-up call at 34. What worked for me was small sustainable swaps, not extremes. I switched from kopi to kopi-o kosong or teh-o kosong…
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 …
For me the trigger to register was when I wanted to sell on proper platforms and needed a business entity, and when the money became enough …
Ran a noodle stall in a coffeeshop for three years, and let me kill the romance with real numbers first. Rent in a decent coffeeshop can be …
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,…
Been juggling a side business with a day job for years, so here's the balanced picture. It's genuinely doable and the extra income and skill…
We did a hybrid and it was the best of both, so consider that before choosing one extreme. Grandparents give love, one-on-one attention and …
I fought mine through the Small Claims Tribunal and got most of it back, so yes it's winnable, but preparation is everything. My landlord tr…
We ran the numbers and chose NOT to prepay, and three years on it was the right call. The HDB loan is 2.6% but our CPF OA earns 2.5% risk-fr…
From my experience, timing is everything for a JB drive. Weekends are the worst, so if you must go on a weekend, cross super early, like bef…
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…
Two kids here, maxed the CDA both times, zero regrets. Why it's worth it: the government dollar-for-dollar matches what you deposit up to a …
You have more affordable options than the pricey private clinics. What I've used/researched: 1) polyclinic GP referral to a subsidised psych…
From my experience, first check your employment contract for any conflict-of-interest or moonlighting clause, because some companies restric…
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…
Realistic range now is 10-20% for a lateral move, more if you're also stepping up in title or moving into a hotter function. I moved last ye…