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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 …

Yes, clawback clauses are generally enforceable in SG if clearly worded, this is a standard retention mechanism, not a trick. Read the exact…

My honest lesson, I let excitement rush me and I overbought. Got a nicer model than I needed and the depreciation plus running costs stretch…

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…

Did the big banquet and honestly it mostly broke even after ang bao, so let me demystify the money first. For a hotel banquet in SG, guest a…

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…

Been through PSLE with two kids, one high-strung like yours. What helped most was me changing, not the kid. I stopped treating PSLE like lif…

I was in the same boat and what worked was having one honest conversation with a clear ask. I told my boss exactly what I wanted: the manage…

We were in your exact spot and chose resale specifically because living with in-laws was straining our marriage, and no flat is worth your r…

Been contributing to SRS for years, here's the honest calculus. SRS is worth it in proportion to your marginal tax rate. If you're in a high…

New-ish parent, here's the practical checklist. Baby Bonus has two parts, the Cash Gift paid out in instalments, and the Child Development A…

We went resale precisely because we didn't want to rent and burn money for 4 years. Do the math properly: renting a decent flat is easily 2.…

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…

We took non-mature in Punggol back when it was still ulu and full of construction dust. First two years I complained non-stop, no proper cof…

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…

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 grew up in a one-room rental flat and I know this fear intimately. What helped me was first acknowledging that the anxiety came from a rea…

Not overreacting, 3 hours daily commute is 15 hours a week, basically two extra unpaid workdays of your life. That's a legitimate quality-of…

Working parent of two, drop the guilt first, it doesn't help anyone. HPB guideline is under an hour a day of quality screen time for that ag…

The accrued interest thing is the part people don't understand until it's too late, so let me stress it. Every dollar of OA you use for the …

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…

Went through this exact debate. We chose grandparents for the first year then infant care after, and honestly a hybrid worked best for us. W…

I've done both. MNC gives you a brand name that opens doors forever, plus proper processes you can learn and carry anywhere. SME gives you r…

It depends entirely on your contract, read the exact wording. Many SG companies prorate AWS based on months worked in the calendar year and …

I moved to a SIM-only plan two years ago and never looked back, but do check your usage first. I was paying for way more data than I actuall…