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Mid-40s, used both my base credit and the mid-career top-up wisely, here is my take. The top-up (the bigger one for those 40 and above) is s…
We went resale in Bishan two years back, paid about 680k for a 4-room and yes it hurt compared to a BTO. But we moved in within 3 months, no…
For me the trigger to register was when I wanted to sell on proper platforms and needed a business entity, and when the money became enough …
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…
We tried all three arrangements across two kids, so here's the honest comparison. Infant care with the government subsidy came to roughly 70…
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…
Not unreasonable at all, 3 hours of daily commute is 15 hours a week of unpaid life, that's a real pay cut in time. But don't quit on emotio…
From my experience, what you're describing sounds a lot like burnout, and losing interest in things you used to enjoy is a real warning sign…
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…
I'll be the cautionary voice. We applied pre-marriage, got the flat, then hit a rough patch and seriously considered breaking up while alrea…
It depends entirely on your contract, read the exact wording. Many SG companies prorate AWS based on months worked in the calendar year and …
Best money we spent, and I was the skeptic. After a C-section I physically could not do night feeds, cook, and recover at the same time. Our…
The thing everyone underestimates is accrued interest. Every dollar of CPF OA you use for the flat, you must return to your CPF with 2.5% co…
Yes, clawback clauses are generally enforceable in SG if clearly worded, this is a standard retention mechanism, not a trick. Read the exact…
Two kids through PSLE, opposite experiences taught me this: tuition is a tool, not a default. My elder was coping fine in school so we skipp…
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…
I do both but split it, and the logic that helped me was thinking about which bucket of money it is. My CPF SA top-up is my bond allocation,…
Two kids, so I know this well. Two separate things. One, the Baby Bonus Cash Gift is paid out to you in instalments over the early years, st…
Please don't brush this off as being dramatic, months of 4 to 5 hours sleep with racing thoughts is your body waving a red flag. Been exactl…
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…
Did ours recently, so real numbers-ish. The big buckets: banquet (usually the biggest, hotel vs restaurant vs void deck changes everything),…
I hit real burnout two years ago, the dread-every-morning kind. What genuinely helped, in order: 1) I saw a GP first, they can assess if it'…
My take might differ, I found it liberating rather than isolating, but I'm quite thick-skinned about what others think. Yes, aunties gave me…
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 …
Cai png is a trap because 'three veg one meat' quietly became 5-6 bucks. What actually cut my spend without misery: 1) cook rice in bulk (ri…