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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…

Went poly (design-related) after O levels despite parents pushing JC, now working in the field and happy. Here is the honest breakdown. JC i…

Please don't brush this off as being dramatic, months of 4 to 5 hours sleep with racing thoughts is your body waving a red flag. Been exactl…

I took over a stall at 29 and I'll give you the completely unfiltered version. The romance dies on week one when you realise the day starts …

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…

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…

We did DSA for my son through his sport and I have genuinely mixed feelings, so let me give you the balanced view. The upside is real, he se…

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…

I stayed an extra 8 months for a 4-month bonus once and I regret it, because I did the actual maths wrong. Yes the bonus was real money, but…

ABSD 20% is a huge upfront drag and it completely changes the math from the old days. On a $1.5M condo that's $300k in ABSD alone, on top of…

Regular JB-goer here. My timing rule: go super early, like leave home before dawn on a weekend, cross before the crowd wakes up, and come ba…

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…

You generally cannot sell on the open market before MOP, full stop, that's the rule and there's no "penalty payment" workaround to sell earl…

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 …

Did exactly this at 33, left MOM after 7 years for a fintech startup at Mapletree Business City. First thing that hit me: no more clear repo…

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…

I'll be honest, I let mine sit for years thinking it was too small to matter, then finally used it and regretted waiting. I did a part-time …

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…

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…

Send exactly one more, then mentally move on. Ghosting after final round usually means one of: internal hiring freeze, they picked someone e…

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'll be the voice for nuance from the hiring side. We still filter many roles by degree for efficiency, so lacking one closes doors, that's …

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…

Dealt with this for my spouse's major hospitalisation. Practical reality, the system is well integrated, the hospital computes subsidy plus …

I switched at 40 from supply chain into a BI analyst role via a CCP. Ya lah, the first year salary dropped maybe 15 percent and my ego also …