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Ran an online store on the side for three years while employed, and the pitfalls are mostly boring admin things people ignore until they bit…
Ran the numbers hard before buying with two young kids. Truth: owning a car in SG is almost never the cheaper option versus Grab and public …
Switched to an MVNO SIM-only plan two years ago, never looked back, but let me give the honest nuance. The MVNOs (the budget brands) actuall…
After 8 years married, the setup that worked for us: a joint account for shared expenses (mortgage, utilities, groceries, kids later) that w…
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…
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…
Registered mine once it got serious, here's what I learned. Two separate things people confuse: 1) ACRA business registration, generally req…
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…
It depends entirely on your contract, read the exact wording. Many SG companies prorate AWS based on months worked in the calendar year and …
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…
Went through the Small Claims Tribunals (SCT) against a contractor, won, so here is how it really works. First, check eligibility: the SCT h…
I accepted a counter-offer once and regretted it within 6 months. Here's why: the reasons I wanted to leave (bad manager, no growth) didn't …
HDB dog owner here. The rules: one dog per HDB flat, and it must be an HDB-approved breed (there's an official list of small breeds like Shi…
I had this exact situation and learned that bonus is discretionary unless your contract states otherwise. Check your employment letter and a…
Run a side freelance gig alongside employment, so I file this every year. Short answer: YES, income from your side hustle is taxable and you…
Two separate things here, both important. First, ACRA registration: if you're doing business under your own name exactly as per NRIC and it'…
I actually tracked this for a year after selling our car. Owning realistically costs a lot monthly once you total COE amortised over 10 year…
I stopped trusting the viral lists and started exploring my own neighbourhood coffee shops and older hawker centres like the ones in mature …
Cat owner in an HDB flat, and yes the landscape changed, so here is the practical picture. HDB moved towards allowing cats under a proper ca…
I did poly (engineering) then got into local uni, so it's very doable if your GPA is good. The framing 'JC is faster' is true but faster isn…
Two separate issues, tax and employment. Tax: yes, freelance income is taxable and you must declare it to IRAS as trade or self-employed inc…
I'm a hawker, let me explain from the cost side. Everything I buy has gone up, chicken, rice, oil, vegetables, gas, packaging. When my ingre…
I took over a stall at 29 and I'll give you the completely unfiltered version. The romance dies on week one when you realise the day starts …
Same wake-up call at 34. What worked for me was small sustainable swaps, not extremes. I switched from kopi to kopi-o kosong or teh-o kosong…
Let me give the less rosy take. The savings are real on paper, but I stopped doing it regularly because the jam and the whole day it consume…