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Consider the renting-while-waiting math seriously because it can eat the BTO savings. We didn't want to stay with parents so we rented a roo…
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…
Sorted mine out after the same confusion, here's the honest breakdown. MediShield Life alone covers subsidised (usually B2/C class) treatmen…
Went through this with an inconsiderate upstairs unit. First, for renovation noise, HDB has permitted renovation hours and noisy work is res…
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 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…
We went resale precisely because we didn't want to rent and burn money for 4 years. Do the math properly: renting a decent flat is easily 2.…
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…
After years of hawker hunting, my tells: 1) uncle/auntie queue over tourist queue, if the office crowd and neighbourhood aunties queue, it's…
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…
Relax, this happens to loads of NSmen and it's very manageable. What typically happens if you don't pass IPPT within your window: you'll be …
The unspoken rule: your ang bao should roughly cover your seat's cost (so the couple doesn't 'lose money' on you), scaled by venue and your …
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…
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…
I hit that exact wall two years ago, and the turning point was actually going to a GP and being honest, which got me a referral and a short …
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 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…
We survived the grind by being ruthless about protecting one non-negotiable slot a week, for us it was Sunday brunch and a walk, phones in t…
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…
After getting retrenched and taking 5 months to find work, I now keep 9-12 months, not the textbook 3-6. Here's my reasoning and setup. In S…
Run a side store too. Short answer, yes, income from a trade or business is taxable regardless of how small, and you're expected to declare …
Mixed feelings after 5 cycles. The camaraderie is genuinely the best part, you reconnect with a bunch of guys you'd never otherwise see, and…
Ran a noodle stall for three years, let me be brutally honest. The romance dies fast. You wake at 4am for prep, stand 12 hours in heat, and …
My honest lesson, I let excitement rush me and I overbought. Got a nicer model than I needed and the depreciation plus running costs stretch…
We tried all three arrangements across two kids, so here's the honest comparison. Infant care with the government subsidy came to roughly 70…