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In practice AWS (Annual Wage Supplement) and 13th month are the same thing, one extra month of basic salary paid usually in Dec. The naming …
Did ours recently, so real numbers-ish. The big buckets: banquet (usually the biggest, hotel vs restaurant vs void deck changes everything),…
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…
20% is completely normal for a job hop in Singapore, in fact in hot fields like tech and finance people get 25 to 40% when they move. Compan…
I split my emergency fund into two buckets. The first two to three months of expenses sit in a high-yield savings account for instant access…
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'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 …
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 …
For ~150 for two and 'feels special', my move is lunch sets at higher-end places, same kitchen, half the dinner price. Many atas restaurants…
We went the room-only route the whole two years to maximise savings for our flat, and for us it was the right call, but it takes the right s…
Went through the Small Claims Tribunals (SCT) against a contractor, won, so here is how it really works. First, check eligibility: the SCT h…
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…
From my experience, the average salary range for a software engineer in Singapore is around SGD 6,000 to 12,000 per month, depending on the …
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…
From my experience, both work, it depends on your family situation. Grandparent care is loving, flexible and cheaper, and the baby bonds wit…
Practical prep list from a fellow non-sporty survivor: start the 2.4km run twice a week and aim just to finish without walking, do push-ups …
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…
The "accrued interest" thing scares people unnecessarily, let me demystify it. When you use CPF OA to pay for your flat, you must return tha…
After years of hawker hunting, my tells: 1) uncle/auntie queue over tourist queue, if the office crowd and neighbourhood aunties queue, it's…
Family with two kids here, we crunched the numbers hard. Owning a mid-range car all-in (COE, depreciation, insurance, road tax, petrol, park…
Recruiter here, and I'm sorry because ghosting is inexcusable but common. What usually happens behind the scenes: a hiring freeze lands, hea…
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…
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…
It depends entirely on your contract, read the exact wording. Many SG companies prorate AWS based on months worked in the calendar year and …
Been in this exact bind. Key points from experience: 1) ICT is a legal obligation, your employer cannot penalise, threaten, or dismiss you f…