How many months of emergency fund is enough in Singapore?
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…
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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…
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…
We had the same tension and honestly I had to let go of a lot of control, which was hard for me as a first-time parent. My realisation was t…
I interview candidates regularly, so here's what I actually think when I ask this. I'm not expecting a fairy tale, I know most people leave …
It depends entirely on your contract, read the exact wording. Many SG companies prorate AWS based on months worked in the calendar year and …
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…
ORD-ed a while back, BMT feels huge before but it's very survivable. Physical prep matters most, start NOW: 1) build running base, aim to jo…
在面試前,你應該做好功課,查詢公司的背景、公司文化和產品線,了解自己想要的工作職責。然後在面試時,積極地與面試者交談,主動地回答問題,展現你的自信和積極性!
I tried the subtle route first and when it didn't work, I had a calm direct chat with the colleague privately. I said I noticed our ideas ov…
Whole experience depends massively on the landlord type. Live-in landlord means cheaper sometimes but more rules and less privacy. Fully ten…
I was in your exact spot, capped because the role above me wasn't going anywhere. I jumped after seven years and honestly it was the best ca…
I used to upgrade yearly and it was pure marketing-driven money burning, the year-on-year jumps are tiny now, mostly a slightly better camer…
Still very doable if you know where to look, just avoid the touristy and CBD centres. My go-tos: economy rice with one meat two veg still la…
We did restaurant after fighting over exactly this, and zero regrets. Honest breakdown from attending all three types: hotel = polished, sea…
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 …
Switched from ops to data analytics at 34, so real talk. SkillsFuture Credit alone won't get you hired, a 40-hour cert is a signal not a pas…
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…
This is a salary issue and there are real protections. Under the Employment Act, salary must be paid within 7 days after the end of the sala…
I'll be honest, I let mine sit for years thinking it was too small to matter, then finally used it and regretted waiting. I did a part-time …
Cross to JB almost monthly by car, so learned this the hard way. Timing is everything. AVOID Friday evening and Saturday morning going in, a…
From my experience, it depends on urgency and your budget. Polyclinics are subsidised and much cheaper, especially for citizens and PRs, but…
Switched to SIM-only three years ago and never going back. Do the actual sum: a "free" phone on contract is baked into a higher monthly (eas…
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.…
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…
I took a counteroffer once and regretted it within 8 months. The raise was real but the reason I wanted to leave, a manager who overloaded m…