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Depends on your cashflow and phone habits honestly. I do contracts because I like upgrading to the newest phone every couple of years and I'…
Used both my base credit and the mid-career top-up well, so here's my framework. First, don't pick a course, pick a career goal, then find t…
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…
I moved to a SIM-only plan two years ago and never looked back, but do check your usage first. I was paying for way more data than I actuall…
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 …
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…
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…
Been through PSLE twice with my two kids. The biggest thing that saved us was accepting early that PSLE is not the end of the world, and act…
I do both but split it, and the logic that helped me was thinking about which bucket of money it is. My CPF SA top-up is my bond allocation,…
Registered mine once it got serious, here's what I learned. Two separate things people confuse: 1) ACRA business registration, generally req…
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…
I enlisted at 78kg overweight, went into the Physical Training Phase (PTP) first for the extra two months before BMT proper. Honestly that P…
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…
I'll be the voice for nuance from the hiring side. We still filter many roles by degree for efficiency, so lacking one closes doors, that's …
The "accrued interest" thing scares people unnecessarily, let me demystify it. When you use CPF OA to pay for your flat, you must return tha…
I did the math on my own career and hopping won, but with a big caveat. Over 8 years I switched three times and went from 4.2k to 11k a mont…
Been retrenched at 47, came out the other side, so hear me out. First month, do these in order. One, sort the money: confirm your retrenchme…
Been there at 47. First, breathe. Practical steps that actually helped me: 1) Registered with WSG (Workforce Singapore) career matching, the…
I was in your exact spot, capped because the role above me wasn't going anywhere. I jumped after seven years and honestly it was the best ca…
My go-to reset is a day cycling the whole Coast-to-Coast trail or the Round Island Route stretches, then ending at a hidden coffeeshop for a…
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…
Went through the process and found it more rigorous and formal than my previous fintech interviews. Several rounds, a good amount of behavio…
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 …
I switched at 40 from supply chain into a BI analyst role via a CCP. Ya lah, the first year salary dropped maybe 15 percent and my ego also …
Rule one, never badmouth your current boss even if he deserves it, because the interviewer immediately imagines you saying the same about th…