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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…
It depends entirely on your contract, read the exact wording. Many SG companies prorate AWS based on months worked in the calendar year and …
Did ours recently, so real numbers-ish. The big buckets: banquet (usually the biggest, hotel vs restaurant vs void deck changes everything),…
My honest lesson, I let excitement rush me and I overbought. Got a nicer model than I needed and the depreciation plus running costs stretch…
I moved to a SIM-only plan two years ago and never looked back, but do check your usage first. I was paying for way more data than I actuall…
Two separate issues, tax and employment. Tax: yes, freelance income is taxable and you must declare it to IRAS as trade or self-employed inc…
Run a side freelance gig alongside employment, so I file this every year. Short answer: YES, income from your side hustle is taxable and you…
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…
I'll be the voice for nuance from the hiring side. We still filter many roles by degree for efficiency, so lacking one closes doors, that's …
My go-to reset is a day cycling the whole Coast-to-Coast trail or the Round Island Route stretches, then ending at a hidden coffeeshop for a…
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 …
You generally cannot sell on the open market before MOP, full stop, that's the rule and there's no "penalty payment" workaround to sell earl…
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…
Went through this with an inconsiderate upstairs unit. First, for renovation noise, HDB has permitted renovation hours and noisy work is res…
Working parent of two, drop the guilt first, it doesn't help anyone. HPB guideline is under an hour a day of quality screen time for that ag…
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 BTO and I'd do it again, but only because we had a place to stay while waiting. We stayed with my in-laws for the build period, whic…
I grew up in a one-room rental flat and I know this fear intimately. What helped me was first acknowledging that the anxiety came from a rea…
Controversial take, but I gave up my car entirely and switched to a mix of Grab, public transport and occasional car rental for family outin…
Whole experience depends massively on the landlord type. Live-in landlord means cheaper sometimes but more rules and less privacy. Fully ten…
I did both and here's the framework that made it click for me. CPF SA top-ups give you a guaranteed ~4% (risk-free) plus tax relief (up to $…
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…
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…
The core trade-off: Standard Plan gives you a higher, level monthly payout that stays the same for life, while Escalating Plan starts you of…
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…