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Start at the polyclinic or your GP first, don't jump straight to a private specialist and burn hundreds of dollars unnecessarily. A polyclin…
I keep waiting and Grab-ing, and for us it mathematically wins by a mile. We spend maybe 400 a month on Grab and public transport combined, …
Did this exact math last year and switched to SIM-only, saving roughly $40/month. Here's how to work it out properly. The "free" phone on a …
Two kids, so I know this well. Two separate things. One, the Baby Bonus Cash Gift is paid out to you in instalments over the early years, st…
From my experience, boundaries here are set through consistent behaviour more than one dramatic conversation. Start by not replying instantl…
My underrated pick is Coney Island plus the Punggol waterway area, we cycled the whole stretch and packed our own food, spent almost nothing…
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-…
Regular JB-goer here. Driving is worth it ONLY if you plan to move around a lot in JB, malls, eateries spread out, maybe Desaru. Register yo…
Congrats on ORD. Straight answer: after your full-time NS you serve as an Operationally Ready NSman for a number of years, during which you …
Practical prep list from a fellow non-sporty survivor: start the 2.4km run twice a week and aim just to finish without walking, do push-ups …
Family with two kids here, we crunched the numbers hard. Owning a mid-range car all-in (COE, depreciation, insurance, road tax, petrol, park…
I did both and here's the framework that made it click for me. CPF SA top-ups give you a guaranteed ~4% (risk-free) plus tax relief (up to $…
Sole breadwinner here too, so I hold more than the textbook 3 to 6 months, I keep 9 to 12 months of expenses because if I lose income the wh…
I was unfit and dreading it too, but honestly BMT was more manageable than I feared. If you're really out of shape you might be posted to a …
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…
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…
Negotiated up about 12 percent at a local SME last year. The trick with SMEs is they're less rigid but also more personal, so frame it right…
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…
Helped my parents choose and studied it hard for myself, so here's the plain-English version. All three pay you for life, the difference is …
Rule one, never badmouth your current boss even if he deserves it, because the interviewer immediately imagines you saying the same about th…
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…
After years of trial and error at my Ghim Moh and Old Airport Road runs, the sweet spots are around 11am to 11.20am for lunch, and 5.30pm fo…
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 …
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…
Lived with in-laws for 3 years waiting for our flat, so I've been in the trenches. What kept the peace: first, your husband must be the one …