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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 …

We tried all three arrangements across two kids, so here's the honest comparison. Infant care with the government subsidy came to roughly 70…

I used to upgrade yearly and it was pure marketing-driven money burning, the year-on-year jumps are tiny now, mostly a slightly better camer…

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…

Relax, at 40k a year you are nowhere near needing GST registration, so your friend scared you for nothing. GST registration is only compulso…

From my experience, it depends on urgency and your budget. Polyclinics are subsidised and much cheaper, especially for citizens and PRs, but…

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…

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 used to blurt out my current salary and it capped every offer. Now I frame it around total package. I say something like: 'My current tota…

Worked in HR/payroll, so let me clear this up. AWS (Annual Wage Supplement, the 13th month) is NOT required by law in Singapore, MOM encoura…

Run a side freelance gig alongside employment, so I file this every year. Short answer: YES, income from your side hustle is taxable and you…

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…

Switched to SIM-only three years ago and never going back. Do the actual sum: a "free" phone on contract is baked into a higher monthly (eas…

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…

We went resale and I don't regret it, but go in with eyes open. We wanted to live near my parents in a mature estate for childcare help, and…

Feel you, prices really crept up. My real-world tactics that keep my food budget sane: hit the older heartland hawker centres and coffeeshop…

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…

Yes you can, Medisave is usable for immediate family including parents, spouse, children and grandparents. Went through this when my mum was…

You have more affordable options than the pricey private clinics. What I've used/researched: 1) polyclinic GP referral to a subsidised psych…

Took a landlord to the Small Claims Tribunal over exactly this and won my deposit back, so real experience. It's designed to be accessible w…

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…

Nobody can time COE, I learned this the expensive way. It's a bidding system driven by quota and demand, and while quota is projected to inc…

Ran the numbers hard before buying with two young kids. Truth: owning a car in SG is almost never the cheaper option versus Grab and public …

HDB dog owner here. For a standard flat, only ONE dog is allowed and it must be from HDB's approved list of smaller breeds, think toy poodle…

HR manager here, and asking is normal, not entitled, most people just do it badly. What works: come with a business case, not a grievance. D…