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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 …
Yes, you can use your Medisave for immediate family, spouse, parents, children, grandparents, siblings. I did exactly this when my mum was h…
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…
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…
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 faced the exact same banquet pressure from the older relatives. What we did was compromise smartly: a moderate hotel banquet to satisfy t…
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…
We survived the grind by being ruthless about protecting one non-negotiable slot a week, for us it was Sunday brunch and a walk, phones in t…
MediSave is not a general wallet, it has specific approved uses and withdrawal limits, that is by design so it lasts till old age. In real l…
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…
Passed a few of these while holding a full-time job, so here is the realistic plan. Coding round: yes it is usually leetcode-style. You don'…
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 …
Been juggling a side business with a day job for years, so here's the balanced picture. It's genuinely doable and the extra income and skill…
I've raised a small dog in my HDB flat for years and it's great, but go in prepared. Check the current approved breed list before you fall i…
Been through it with two kids, and the honest answer is most of these are genuinely worth it and less admin than you fear, because a lot is …
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 …
Served, and now watched two nephews go through it, so here is the practical picture. He cannot fully choose, but he can influence. Vocation …
I stopped trusting the viral lists and started exploring my own neighbourhood coffee shops and older hawker centres like the ones in mature …
Did exactly this at 33, left MOM after 7 years for a fintech startup at Mapletree Business City. First thing that hit me: no more clear repo…
HR manager here, and asking is normal, not entitled, most people just do it badly. What works: come with a business case, not a grievance. D…
Switched to an MVNO two years ago and never looked back. The digital-only telcos like the ones riding on the big networks give you 100GB-plu…
I ran a stall for two years and closed it, so here's the cautionary tale. My food was good, people liked it, but I couldn't make the numbers…
Did the big banquet and honestly it mostly broke even after ang bao, so let me demystify the money first. For a hotel banquet in SG, guest a…
Dealt with this for my spouse's major hospitalisation. Practical reality, the system is well integrated, the hospital computes subsidy plus …
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…