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Bought a resale last year, went through the COV drama. Few things that actually work: one, get your own valuation done first via HDB after y…
Served, and now watched two nephews go through it, so here is the practical picture. He cannot fully choose, but he can influence. Vocation …
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…
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 …
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 …
Switched from banking ops to UX design at 34, now 38. Things I wish I knew: one, your savings runway matters more than your passion. I had 1…
Mid-40s, used both my base credit and the mid-career top-up wisely, here is my take. The top-up (the bigger one for those 40 and above) is s…
From my experience, always verify the person renting to you is the actual owner or an authorised agent, ask to see proof, because subletting…
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…
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 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, …
From my experience, first check your employment contract for any conflict-of-interest or moonlighting clause, because some companies restric…
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…
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…
I had the same and it turned out to be a mix of stress and low iron even though the general test looked okay. Please go back to your GP and …
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 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…
Two kids here, maxed the CDA both times, zero regrets. Why it's worth it: the government dollar-for-dollar matches what you deposit up to a …
Ran an online store on the side for three years while employed, and the pitfalls are mostly boring admin things people ignore until they bit…
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…
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…
Here's how it actually works based on my own experience as a 30-something NSman. Each work year you get an IPPT window. If you don't pass IP…
Married 6 years, my husband was the spender. What saved us was the "three pots" system. Joint account for shared stuff (rent, utilities, gro…
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…
Best money we spent, and I was the skeptic. After a C-section I physically could not do night feeds, cook, and recover at the same time. Our…