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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 …

After years of trial and error at my Ghim Moh and Old Airport Road runs, the sweet spots are around 11am to 11.20am for lunch, and 5.30pm fo…

I did poly (engineering) then got into local uni, so it's very doable if your GPA is good. The framing 'JC is faster' is true but faster isn…

Ran the numbers properly before buying, so here's the framework. Total car cost = COE + OMV/price + road tax + insurance + parking (home + w…

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…

After 8 years married, the setup that worked for us: a joint account for shared expenses (mortgage, utilities, groceries, kids later) that w…

I ran the numbers properly for my own family. A typical new Cat A car all-in (COE 100k, car price, road tax, insurance, parking, petrol, mai…

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 …

Took two months no-pay leave at the edge of a breakdown, and it probably saved my career, maybe more. Here's what I learned. First, see a do…

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 took the counter-offer in 2022, a jump from 6k to 7.1k plus a 10k retention bonus with a 12-month clawback. On paper it looked great lah, …

I've raised a small dog in my HDB flat for years and it's great, but go in prepared. Check the current approved breed list before you fall i…

Switched to an MVNO SIM-only plan two years ago, never looked back, but let me give the honest nuance. The MVNOs (the budget brands) actuall…

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

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'…

Been through it with two kids, and the honest answer is most of these are genuinely worth it and less admin than you fear, because a lot is …

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…

Ran this spreadsheet in detail before deciding to stay car-lite. The brutal reality: owning a car in SG easily runs $1,500-2,500+ a month al…

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…

Helped a friend through this, and the biggest thing I learned: you don't need to fix it, you need to stay. What worked: 1) show up consisten…

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…

I split my emergency fund into two buckets. The first two to three months of expenses sit in a high-yield savings account for instant access…

The "accrued interest" thing scares people unnecessarily, let me demystify it. When you use CPF OA to pay for your flat, you must return tha…

Just got married, so fresh numbers. The banquet is the monster, hotel per-table costs are high and you're often expected to invite a big gue…

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…