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We went resale in Bishan in 2023 because we simply could not wait 4 years, and I don't regret it, but the cash was brutal. The valuation was…
First, yes, check the HDB approved breed list and get the licence sorted, that part's straightforward. The real challenges nobody warns you …
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…
Depends on your cashflow and phone habits honestly. I do contracts because I like upgrading to the newest phone every couple of years and I'…
I stayed an extra 8 months for a 4-month bonus once and I regret it, because I did the actual maths wrong. Yes the bonus was real money, but…
Regular JB-goer here. Driving is worth it ONLY if you plan to move around a lot in JB, malls, eateries spread out, maybe Desaru. Register yo…
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…
Married across race and religion, ten years now, so this is lived experience. It works, but the early family part takes patience, not confro…
Been through PSLE with two kids, one high-strung like yours. What helped most was me changing, not the kid. I stopped treating PSLE like lif…
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 …
Classic. Stop relying on the meeting to show your value, build a paper trail instead. Send project updates over email with senior people cc-…
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…
Grew up eating chicken rice almost daily, my uncle ran a stall. It is all in the details most people don't notice. First the rice, must be c…
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…
Ran a noodle stall in a coffeeshop for three years, and let me kill the romance with real numbers first. Rent in a decent coffeeshop can be …
Yes you can buy out. Under the Employment Act, either party can terminate the contract by paying salary in lieu of notice for the unspent po…
Cat owner in an HDB flat, and yes the landscape changed, so here is the practical picture. HDB moved towards allowing cats under a proper ca…
Yes you can, Medisave is usable for immediate family including parents, spouse, children and grandparents. Went through this when my mum was…
HR-side experience here, so let me demystify it. For fresh grads, yes you can negotiate, and no, a reasonable ask will almost never make the…
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…
My method is to look at the details. A good stall usually specialises in just one or two dishes rather than a huge menu, because focus means…
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…
Went through this exact debate. We chose grandparents for the first year then infant care after, and honestly a hybrid worked best for us. W…
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'…
We did restaurant after fighting over exactly this, and zero regrets. Honest breakdown from attending all three types: hotel = polished, sea…