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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, …
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 …
Cleared IPPT after years of failing, so I feel your pain. Real talk: the RT (RT/FCC) is honestly not as scary as the dread. It is a fixed nu…
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…
Let me give the less rosy take. The savings are real on paper, but I stopped doing it regularly because the jam and the whole day it consume…
Worked in HR/payroll, so let me clear this up. AWS (Annual Wage Supplement, the 13th month) is NOT required by law in Singapore, MOM encoura…
Helped a friend through this, and the biggest thing I learned: you don't need to fix it, you need to stay. What worked: 1) show up consisten…
I used to upgrade yearly and it was pure marketing-driven money burning, the year-on-year jumps are tiny now, mostly a slightly better camer…
Long-time polyclinic and GP user, here is my rule of thumb. Polyclinic makes sense when: you need the subsidy (chronic meds, referrals to sp…
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…
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…
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…
Regular JB-goer here, worth it IF you play the timing game, brutal if you don't. My rules: go on a weekday if you can, never Saturday mornin…
Switched from banking ops to UX design at 34, now 38. Things I wish I knew: one, your savings runway matters more than your passion. I had 1…
We kept things mostly separate for the first few years and it worked fine because we both earned similar and had no kids. But the moment we …
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…
HDB only allows ONE dog per flat and it must be an approved breed/small type, plus you must license it with the authority (used to be AVA, n…
Did nanny for my first, family help for my second, so I can compare directly. The confinement nanny is expensive but for a first-time mum wi…
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…
I was in the same boat and what worked was having one honest conversation with a clear ask. I told my boss exactly what I wanted: the manage…
I took over my family's stall, so let me be blunt: the romantic image is mostly a myth. The hours are brutal, we're at the market before daw…
Switched all four of us to SIM-only MVNO plans over a year ago, saving is real, cut our bill by more than half. Network quality wise, most M…
Sorted mine out after the same confusion, here's the honest breakdown. MediShield Life alone covers subsidised (usually B2/C class) treatmen…
From my experience, always verify the person renting to you is the actual owner or an authorised agent, ask to see proof, because subletting…
HDB dog owner here. For a standard flat, only ONE dog is allowed and it must be from HDB's approved list of smaller breeds, think toy poodle…