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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…
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…
Did the big banquet and honestly it mostly broke even after ang bao, so let me demystify the money first. For a hotel banquet in SG, guest a…
Went through the Small Claims Tribunals (SCT) against a contractor, won, so here is how it really works. First, check eligibility: the SCT h…
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 …
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, …
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…
Been through many reservist IPPTs from a desk-job body, here's the efficient approach for the 3 stations (push-ups, sit-ups, 2.4km run). Giv…
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 use a hybrid. I let CPF OA pay the bulk of the monthly instalment so my cash flow stays healthy for emergencies and my kids' stuff, but I …
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…
Two separate things here, both important. First, ACRA registration: if you're doing business under your own name exactly as per NRIC and it'…
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…
I pushed my elder child into JC because of prestige and honestly regretted it because she struggled and lost confidence. With my younger one…
ORD-ed a while back, BMT feels huge before but it's very survivable. Physical prep matters most, start NOW: 1) build running base, aim to jo…
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…
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…
From my experience, the golden rule is to face forward, not backward. Never badmouth your boss or company even if it's justified, because in…
在面試前，你應該做好功課，查詢公司的背景、公司文化和產品線，了解自己想要的工作職責。然後在面試時，積極地與面試者交談，主動地回答問題，展現你的自信和積極性！
Regular JB-goer, it's worth it IF you play the timing and logistics right, otherwise the jam eats all your savings in wasted hours. My hard-…
I do the JB run roughly twice a month and I've tracked it properly for a year, so here's the honest math. Groceries and household stuff genu…
Push back, but do it smart. Variable bonus is discretionary so you can't demand it, but you CAN make your manager go to bat for you. I did t…
Relax, at 40k a year you are nowhere near needing GST registration, so your friend scared you for nothing. GST registration is only compulso…
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…
You have more affordable options than the pricey private clinics. What I've used/researched: 1) polyclinic GP referral to a subsidised psych…