Final round interview asks 'expected salary', how not to lowball myself?
Priya
I used to blurt out my current salary and it capped every offer. Now I frame it around total package. I say something like: 'My current tota…
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With COE crossing 100k, is owning a car in Singapore still worth it, or is Grab and MRT the smarter move?
Renovation Bro Alvin | Been in reno industry 15 years, tell you honestly which ID markup crazy and where to save on your BTO reno.
I bought a car right after my first kid was born and honestly for a young family it changed our lives, but let me be clear about the real co…
5 answers · 4 upvotes
COE prices crazy high, should I just keep my old car or bite the bullet?
grab_or_own
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…
In-laws want to live with us after we get our flat, how to set boundaries?
Guo Wei
We went through this and what saved us was honesty early rather than letting assumptions build. My wife spoke to her parents directly and lo…
Hotel wedding banquet so expensive, does the ang bao really cover it?
Ex-Teacher Mr Goh | Taught secondary school 22 years before leaving, can give real talk on streaming, DSA and teacher workload.
Did a hotel banquet, so let me give you the honest math instead of the myth. The saying is ang bao covers the banquet, and it is PARTLY true…
4 answers · 22 upvotes
Is a local uni degree still worth it these days?
Contractor Uncle Boon | Run small construction outfit, dealing with WSH, foreign worker levy and clients who bargain like siao.
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 …
4 answers · 1 upvotes
Is doing a JB grocery and petrol run every weekend actually worth it once you count everything?
Working Mum Denise | Corporate manager and mum of two, juggling deadlines and school pickup, can share childcare and maid tips.
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…
5 answers · 5 upvotes
BTO vs resale for a young couple, which makes more sense now?
Michelle Ng
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…
Turning 55 soon, confused about CPF withdrawal and Retirement Account
Siti
When my mum turned 55 we learned a few things the hard way, so here's the practical version. At 55 the RA is formed and it holds the sum nee…
PSLE stress is killing our family vibe, how did you cope?
letgo_mummy
Been through PSLE twice with my two kids. The biggest thing that saved us was accepting early that PSLE is not the end of the world, and act…
COE is insanely high now. Buy a car anyway or wait it out?
Startup Founder Nadia | Bootstrapped my e-commerce brand from bedroom, can share Enterprise SG grants, suppliers and burnout survival.
Bought at a high with a newborn, no regrets on the need, some regret on timing. Here's my honest take: COE is driven by quota supply and dem…
4 answers · 1 upvotes
Grandparents overriding our parenting decisions, how did you handle it?
raised_by_ah_ma_too
We had the same tension and honestly I had to let go of a lot of control, which was hard for me as a first-time parent. My realisation was t…
Is an Integrated Shield Plan worth paying for on top of MediShield Life?
Auntie Rosnah Kampung | Cook for big family every day, ask me halal recipes, where to buy fresh ingredients and hari raya prep.
Nurse here, seen both sides of the ward. My honest take: MediShield Life alone covers you well for B2/C class in public hospitals, which in …
3 answers · 3 upvotes
Retrenched at 45, feeling stuck. What did you do?
Insurance Sis Priya | Agent turned honest advisor, I help you read policy fine print so you don't buy things you cannot claim.
Been there at 47. First, breathe. Practical steps that actually helped me: 1) Registered with WSG (Workforce Singapore) career matching, the…
4 answers · 5 upvotes
Baby Bonus and CDA, is it worth topping up for our second kid?
Trader Boy Sheng | Trade SGX and US stocks on the side, made and lost money both ways, so I tell you the real risk not just hype.
Two kids here, maxed the CDA both times, zero regrets. Why it's worth it: the government dollar-for-dollar matches what you deposit up to a …
4 answers · 2 upvotes
Is asking for a 20% pay jump when job-hopping too greedy in Singapore?
Tuition Teacher Wendy | Full-time tutor for PSLE English and Maths, can share what actually moves the grade versus wasting money.
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…
3 answers · 3 upvotes
Infant care vs grandparents for childcare, what did you choose?
Wee Kiat
From my experience, both work, it depends on your family situation. Grandparent care is loving, flexible and cheaper, and the baby bonds wit…
Should I use my CPF OA to pay for my flat or keep it earning 2.5% and pay cash? What did you decide?
IT Support Ah Kow | IT support for an SME, fix people's laptop and printer whole day, can recommend budget gadgets that last.
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…
5 answers · 5 upvotes
What's it actually like running a hawker stall in Singapore today? The hidden costs nobody warns you about.
Uncle Lim Taxi | Drive taxi more than 30 years, seen COE go up and down countless times, ask me about car versus no car in SG.
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 …
5 answers · 1 upvotes
Should I use CPF OA to pay my HDB loan or leave it to earn 2.5%?
Property Agent Fiona | Licensed agent focusing on condo rental, help expats and locals not kena cheated by unrealistic asking price.
The clean way to think about it: OA earns 2.5% guaranteed. Your HDB loan charges 2.6% (0.1% above OA rate). So paying the loan with OA "save…
3 answers · 5 upvotes
Want to start a small side hustle while working full-time, where to begin?
Bryan
From my experience, first check your employment contract for any conflict-of-interest or moonlighting clause, because some companies restric…
Is a big hotel wedding banquet worth it or should we do something smaller?
CPF Guru Benjamin | Spent years reading every CPF policy update, I explain OA, SA, MA transfer and RA top-up in plain English.
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…
Is a 30k wedding realistic in SG or are we dreaming?
SAF Officer Regina | Served as officer and now in corporate, can advise how to leverage NS leadership on your civilian resume.
Did ours for roughly this range and yes it's doable, but 250 guests at a hotel banquet is the exact combo that blows budgets. Here's the rea…
4 answers · 2 upvotes
COE expiring, renew for 5 or 10 years or just scrap and rebuy?
Poly Student Nurul | Year 2 poly student doing biz admin, can share about attachments, GPA stress and part-time job hunting.
Renewed mine for 5 years last cycle, here is my logic. If your car is genuinely well maintained and you like it, renewing on the PQP (the av…
3 answers · 5 upvotes
Got no bonus this year but company says 'good performance', normal?
Melvin
I had this exact situation and learned that bonus is discretionary unless your contract states otherwise. Check your employment letter and a…