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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…

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 ran a noodle stall at a coffeeshop for three years before calling it quits, and the number one thing nobody tells you is the hours will de…

HR here. Never give a single number, give a researched range and anchor to market. My script that works: "Based on my research for this role…

After getting retrenched and taking 5 months to find work, I now keep 9-12 months, not the textbook 3-6. Here's my reasoning and setup. In S…

Sole breadwinner here too, so I hold more than the textbook 3 to 6 months, I keep 9 to 12 months of expenses because if I lose income the wh…

Switched all four of us to SIM-only MVNO plans over a year ago, saving is real, cut our bill by more than half. Network quality wise, most M…

Made the jump from a private MNC to a statutory board at 36 and five years on, I'd say it was worth it but manage your expectations carefull…

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 …

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…

Yes, the framework changed, cats are now allowed in HDB flats under a licensing scheme with a cap on the number per flat (there's a transiti…

Depends on your cashflow and phone habits honestly. I do contracts because I like upgrading to the newest phone every couple of years and I'…

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…

I do the JB run roughly twice a month and I've tracked it properly for a year, so here's the honest math. Groceries and household stuff genu…

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

From my experience, both work, it depends on your family situation. Grandparent care is loving, flexible and cheaper, and the baby bonds wit…

Ran a noodle stall for three years, let me be brutally honest. The romance dies fast. You wake at 4am for prep, stand 12 hours in heat, and …

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…

Don't panic and definitely don't send a desperate 'I'll take less' email immediately, that screams insecurity and weakens you before they ev…

Did this exact math last year and switched to SIM-only, saving roughly $40/month. Here's how to work it out properly. The "free" phone on a …

From my experience, as first-timer married couples buying a BTO you should check the CPF Housing Grants that apply to new flats, and if you'…

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…

Realistic range now is 10-20% for a lateral move, more if you're also stepping up in title or moving into a hotter function. I moved last ye…

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

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…