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After years of trial and error, here's my decision rule. Go to a PRIVATE GP when: it's a simple acute thing (flu, cough, minor infection, MC…
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…
Did ours for roughly this range and yes it's doable, but 250 guests at a hotel banquet is the exact combo that blows budgets. Here's the rea…
I keep waiting and Grab-ing, and for us it mathematically wins by a mile. We spend maybe 400 a month on Grab and public transport combined, …
Switched to an MVNO SIM-only plan two years ago, never looked back, but let me give the honest nuance. The MVNOs (the budget brands) actuall…
I've been through PSLE with two kids and the second time was much calmer because I stopped micromanaging. Kids can't focus when a parent is …
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…
It depends entirely on your contract, read the exact wording. Many SG companies prorate AWS based on months worked in the calendar year and …
Neighbour noise is horrible, been there. The realistic ladder: 1) keep a noise log (dates, times, type of noise) and record audio/video with…
My underrated pick is Coney Island plus the Punggol waterway area, we cycled the whole stretch and packed our own food, spent almost nothing…
First-time dad, went through it recently, so fresh memory. Practical tips that helped us. One, both parents' MediSave can be used for the de…
Ran a small online biz through this. The core rule: GST registration is compulsory once your taxable turnover crosses the prescribed thresho…
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 …
I've learned to split my bonus with a simple system: a chunk to debt or mortgage if any, a chunk to long-term investing, a chunk to savings,…
Start at the polyclinic or your GP first, don't jump straight to a private specialist and burn hundreds of dollars unnecessarily. A polyclin…
The unspoken rule: your ang bao should roughly cover your seat's cost (so the couple doesn't 'lose money' on you), scaled by venue and your …
I do it every year and here's my reasoning. It's not either-or with investing, it's about the role in your portfolio. My CPF SA is my bond a…
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…
From my experience, both work, it depends on your family situation. Grandparent care is loving, flexible and cheaper, and the baby bonds wit…
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 …
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…
Cleared RT twice, no drama, here's the deal. Failing IPPT means you're placed on the Remedial Training programme, you complete a set number …
Renewed mine for 5 years last cycle, here is my logic. If your car is genuinely well maintained and you like it, renewing on the PQP (the av…
I switched at 40 from supply chain into a BI analyst role via a CCP. Ya lah, the first year salary dropped maybe 15 percent and my ego also …
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-…