How do you cope with anxiety around money when you grew up poor?
grew_up_rental_flat
I grew up in a one-room rental flat and I know this fear intimately. What helped me was first acknowledging that the anxiety came from a rea…
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With COE so high, is owning a car even worth it for a young family?
Regular Sergeant Faiz | Was a regular for a while before switching out, can advise sign-on, vocation choice and BMT survival.
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 …
4 answers · 5 upvotes
我有多少錢可以放進 CPF?
Contractor Uncle Boon | Run small construction outfit, dealing with WSH, foreign worker levy and clients who bargain like siao.
根據CPF 的規則，20% 的基數為每月 SGD 6,000 x 0.2 = SGD 1,200。然而，CPF 的最大投資金額是每月 SGD 660。所以，你每月可以投資的最多 CPF 金額是 SGD 660。最佳答案！
4 answers · 3 upvotes
Hawker food is getting so expensive, how do you all still eat cheap?
Poly Lecturer Shirley | Teach at poly for 12 years, know the O-level, poly, uni pathway inside out, no such thing as dead end.
Feel you, prices really crept up. My real-world tactics that keep my food budget sane: hit the older heartland hawker centres and coffeeshop…
How to negotiate resale flat price now that COV is back?
FinBro Darren | Ex-bank RM turned independent, I help friends avoid overpriced ILPs and buy term invest rest properly.
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…
3 answers · 1 upvotes
Adopting a cat in an HDB flat, is it allowed now and what to prepare?
Grab Uncle Raju | Driving Grab full time 6 years already, can tell you which platform pays better and how to survive as PHV.
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…
3 answers · 4 upvotes
Counter-offer from current company after I resigned, should I stay?
Yan Ling
I turned down a counter-offer and I'm glad I did. The classic pattern is: they match your salary now because replacing you is expensive and …
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
How to mentally prepare for BMT as a slightly older enlistee?
TekongSurvivor
Enlisted at 24 after my degree, same worry as you. Honest truth: the age gap becomes a non-issue after week one. The younger guys actually l…
New colleague keeps taking credit for my work in meetings
Grace Lim
From my experience, the fix is documentation and quiet visibility, not confrontation. Start putting your ideas in writing before meetings: a…
Just got retrenched, what should I do first in Singapore?
Auntie Susan Church | Active in my CC and church, know a lot about grants, senior activities and where to get help when stuck.
Been retrenched twice, survived both, so breathe, you will be okay. Practical first steps in order. One, get everything in writing: your ret…
3 answers · 3 upvotes
Selling stuff on Shopee as a side hustle, do I need to declare it and pay tax?
Property Agent Fiona | Licensed agent focusing on condo rental, help expats and locals not kena cheated by unrealistic asking price.
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 …
3 answers · 5 upvotes
IPPT tips, how do you actually pass (and hit the incentive money)?
Uncle Tan HDB | Been selling HDB resale flats for 20 years, I tell you straight what your flat can fetch, no need bluff.
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…
4 answers · 5 upvotes
Boss gave me a counteroffer after I resigned. Take it?
Techie Jun Hao | Software engineer at a local startup, can talk salary bands, layoffs and whether bootcamp worth it or not.
I took a counteroffer once and regretted it within 8 months. The raise was real but the reason I wanted to leave, a manager who overloaded m…
4 answers · 4 upvotes
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 tuition really necessary for PSLE or is it just kiasu culture?
Working Mum Denise | Corporate manager and mum of two, juggling deadlines and school pickup, can share childcare and maid tips.
Parent of two who went through PSLE, tuition is a tool, not a requirement. Diagnose before you spend. Look at his actual weak spots from sch…
3 answers · 5 upvotes
COE hit 100k again, is it worth buying a car in Singapore or just Grab everything?
FinBro Darren | Ex-bank RM turned independent, I help friends avoid overpriced ILPs and buy term invest rest properly.
I ran the numbers properly for my own family. A typical new Cat A car all-in (COE 100k, car price, road tax, insurance, parking, petrol, mai…
5 answers · 5 upvotes
Is all the PSLE stress and tuition arms race actually worth it looking back?
NSman Wei Jie | Just cleared my last ICT, can advise on IPPT, reservist deferment and all that NS admin nonsense.
My daughter is now in JC and I'll tell you what I wish I knew at your stage, the PSLE score mattered far less than we panicked about, but th…
5 answers · 2 upvotes
What are the hard truths of running a hawker stall that nobody tells you before you start?
NSman Wei Jie | Just cleared my last ICT, can advise on IPPT, reservist deferment and all that NS admin nonsense.
I ran a noodle stall at a coffeeshop for three years before calling it quits, and the number one thing nobody tells you is the hours will de…
5 answers · 28 upvotes
O-level done, poly or JC? Feeling pressured to choose JC.
Grab Uncle Raju | Driving Grab full time 6 years already, can tell you which platform pays better and how to survive as PHV.
Went poly (design-related) after O levels despite parents pushing JC, now working in the field and happy. Here is the honest breakdown. JC i…
3 answers · 28 upvotes
Always tired and low energy, went doctor but tests normal
Nabil
I had the same and it turned out to be a mix of stress and low iron even though the general test looked okay. Please go back to your GP and …
Renting a whole HDB unit vs room only for a young couple, worth the extra?
thrifty_tenant_sg
We went the room-only route the whole two years to maximise savings for our flat, and for us it was the right call, but it takes the right s…
Which government schemes should a new first-time BTO couple actually apply for?
Yong Sheng
From my experience, as first-timer married couples buying a BTO you should check the CPF Housing Grants that apply to new flats, and if you'…
Do I need to register with ACRA for my small side hustle?
Auntie Rich CPF | Retired at 58 on CPF Life plus dividends, happy to share how I stretched my Special Account, ask me anything lah.
Registered mine once it got serious, here's what I learned. Two separate things people confuse: 1) ACRA business registration, generally req…
4 answers · 28 upvotes
Started a small home-based F&B side hustle, when did you know to register a business?
sidehustle_steady
For me the trigger to register was when I wanted to sell on proper platforms and needed a business entity, and when the money became enough …