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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 …
Sold ours right after MOP and it worked out, but the paper gain is more of a mirage than people admit. Yes, you sell high, but you also BUY …
Had a confinement nanny for my first, mum for my second, both worked but for different reasons. The nanny was worth every dollar for a first…
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…
With AL 12 your daughter is in a solid range and has good options, but strategy matters under the new system. Remember posting is by school,…
Family with two kids here, we crunched the numbers hard. Owning a mid-range car all-in (COE, depreciation, insurance, road tax, petrol, park…
From my experience, under the Employment Act your salary must be paid within seven days of the last day of employment, and an employer gener…
Switched from Singtel to Circles.Life two years ago and it was one of my easier money-saving wins, cut my bill from 55 to about 20 a month f…
Bought a resale last year, went through the COV drama. Few things that actually work: one, get your own valuation done first via HDB after y…
Still very doable if you know where to look, just avoid the touristy and CBD centres. My go-tos: economy rice with one meat two veg still la…
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 …
Did exactly this at 33, left MOM after 7 years for a fintech startup at Mapletree Business City. First thing that hit me: no more clear repo…
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…
The OA-to-SA transfer is genuinely powerful because of compounding, but the word "irreversible" is doing a lot of work in your question. Rul…
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…
With 192 (AL) you are in a solid band lah, but branded schools like the top IP ones usually need low single digit totals. Honestly for that …
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…
We went BTO and I'd do it again, but only because we had a place to stay while waiting. We stayed with my in-laws for the build period, whic…
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-…
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…
From my experience, boundaries here are set through consistent behaviour more than one dramatic conversation. Start by not replying instantl…
Served, and now watched two nephews go through it, so here is the practical picture. He cannot fully choose, but he can influence. Vocation …
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…
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 …
Balloted five times over four years lah. Mature estates like Queenstown, Bishan, Kallang are basically impossible for first-timers unless yo…