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I tried the subtle route first and when it didn't work, I had a calm direct chat with the colleague privately. I said I noticed our ideas ov…

Ten years into a 25-year HDB loan here. Honestly, day to day you don't feel it because our CPF OA covers most of the monthly installment, so…

Renewed mine for 5 years last cycle, here is my logic. If your car is genuinely well maintained and you like it, renewing on the PQP (the av…

5k gross means roughly 4k in hand after CPF, and honestly in Singapore that disappears fast. Let me break down mine when I was at that level…

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…

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 …

From my experience, first check your employment contract for any conflict-of-interest or moonlighting clause, because some companies restric…

The key concept most people miss is accrued interest. Whatever OA money you use for housing, you must eventually 'repay' to your own CPF wit…

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…

I was unfit and dreading it too, but honestly BMT was more manageable than I feared. If you're really out of shape you might be posted to a …

I keep waiting and Grab-ing, and for us it mathematically wins by a mile. We spend maybe 400 a month on Grab and public transport combined, …

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…

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…

I made the jump at 36 from a marketing role into a data analyst position, no CS degree, self-taught SQL and Python over about 14 months whil…

I turned down a counter-offer and I'm glad I did. The classic pattern is: they match your salary now because replacing you is expensive and …

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…

With 192 (AL) you are in a solid band lah, but branded schools like the top IP ones usually need low single digit totals. Honestly for that …

Stop relying on the meeting to get credit and control the paper trail instead. Concrete moves that worked for me with a credit-stealer: 1) S…

We faced the exact same banquet pressure from the older relatives. What we did was compromise smartly: a moderate hotel banquet to satisfy t…

I did both and here's the framework that made it click for me. CPF SA top-ups give you a guaranteed ~4% (risk-free) plus tax relief (up to $…

I had this exact situation and learned that bonus is discretionary unless your contract states otherwise. Check your employment letter and a…

Two kids, so I know this well. Two separate things. One, the Baby Bonus Cash Gift is paid out to you in instalments over the early years, st…

I accepted a counter-offer once and regretted it within 6 months. Here's why: the reasons I wanted to leave (bad manager, no growth) didn't …

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 …

Two kids through PSLE, opposite experiences taught me this: tuition is a tool, not a default. My elder was coping fine in school so we skipp…