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It depends entirely on your contract, read the exact wording. Many SG companies prorate AWS based on months worked in the calendar year and …
Been an owner 8 years, two dogs. My honest math: insurance is worth it IF you'd struggle to fork out a sudden 3-5k for surgery, and it's mos…
Born and raised here, my go-to cheap weekend list that's actually good, not just "go park" filler: 1) The green corridors and connectors, th…
Whole experience depends massively on the landlord type. Live-in landlord means cheaper sometimes but more rules and less privacy. Fully ten…
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…
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'…
When my mum turned 55 we learned a few things the hard way, so here's the practical version. At 55 the RA is formed and it holds the sum nee…
Been retrenched twice, survived both, so breathe, you will be okay. Practical first steps in order. One, get everything in writing: your ret…
I took over my family's stall, so let me be blunt: the romantic image is mostly a myth. The hours are brutal, we're at the market before daw…
Stayed too long under a toxic boss once, and it cost me more than the good pay was worth, so hear me out. First, separate the fixable from t…
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…
The single most important thing: the boundary must come from your husband, not you. If you push back on his mother directly, you become the …
HR perspective, and the honest nuanced answer, two years per role in your 20s and early 30s is broadly acceptable now, especially in tech an…
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…
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…
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…
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…
Long-time polyclinic and GP user, here is my rule of thumb. Polyclinic makes sense when: you need the subsidy (chronic meds, referrals to sp…
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…
Rule one, never badmouth your current boss even if he deserves it, because the interviewer immediately imagines you saying the same about th…
My advice: since none lock you in, just try the cheapest heavy-data option first (usually Simba on promo) with an eSIM so switching is insta…
Regular JB-goer here. Driving is worth it ONLY if you plan to move around a lot in JB, malls, eateries spread out, maybe Desaru. Register yo…
My underrated pick is Coney Island plus the Punggol waterway area, we cycled the whole stretch and packed our own food, spent almost nothing…
The thing everyone underestimates is accrued interest. Every dollar of CPF OA you use for the flat, you must return to your CPF with 2.5% co…
Bought many phones here, my ranking for value-without-risk: 1) Official brand store or authorised retailers (Challenger, Courts, telco store…