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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…

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…

Been through five reservist cycles now with kids, and the mental shift that helped me most was treating it as a forced two-week detox rather…

Ran this spreadsheet in detail before deciding to stay car-lite. The brutal reality: owning a car in SG easily runs $1,500-2,500+ a month al…

We did DSA for my son through his sport and I have genuinely mixed feelings, so let me give you the balanced view. The upside is real, he se…

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

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…

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…

Did a hotel banquet, so let me give you the honest math instead of the myth. The saying is ang bao covers the banquet, and it is PARTLY true…

The trap I fell into with my first, comparing my child to the neighbour's kid and the cousins. I pushed too hard, our home became a pressure…

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…

Registered mine once it got serious, here's what I learned. Two separate things people confuse: 1) ACRA business registration, generally req…

Cut through the guru noise, here's what actually paid me and people I know, realistically. 1) Skills-based freelancing, if you can design, w…

I took a counter-offer in 2022 and regretted it within 8 months. The extra 1.4k felt good on payday, but the trust was gone on both sides. M…

I stopped trusting the viral lists and started exploring my own neighbourhood coffee shops and older hawker centres like the ones in mature …

Been through PSLE twice with my two kids. The biggest thing that saved us was accepting early that PSLE is not the end of the world, and act…

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…

Run a side store too. Short answer, yes, income from a trade or business is taxable regardless of how small, and you're expected to declare …

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…

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…

Had a confinement nanny for my first, mum for my second, both worked but for different reasons. The nanny was worth every dollar for a first…

Regular JB-goer, it's worth it IF you play the timing and logistics right, otherwise the jam eats all your savings in wasted hours. My hard-…

My burnout came from tying my whole identity to my job. What shifted things was rebuilding a life outside work, even small, so the job stopp…

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.…

The clean way to think about it: OA earns 2.5% guaranteed. Your HDB loan charges 2.6% (0.1% above OA rate). So paying the loan with OA "save…