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 …
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Should I use CPF or cash to pay my HDB loan?
steadyfinance_bro
I use a hybrid. I let CPF OA pay the bulk of the monthly instalment so my cash flow stays healthy for emergencies and my kids' stuff, but I …
如何做一個好印象在面試?
Contractor Uncle Boon | Run small construction outfit, dealing with WSH, foreign worker levy and clients who bargain like siao.
在面試前，你應該做好功課，查詢公司的背景、公司文化和產品線，了解自己想要的工作職責。然後在面試時，積極地與面試者交談，主動地回答問題，展現你的自信和積極性！
4 answers · 1 upvotes
How do I ask for a raise after 2 years of no real increment?
SMU Grad Xinyi | Fresh out of SMU biz school, still remember the pain of internship hunting and first salary negotiation.
HR manager here, and asking is normal, not entitled, most people just do it badly. What works: come with a business case, not a grievance. D…
4 answers · 30 upvotes
Infant care centre vs grandparents vs helper for a newborn in SG, how did you decide and any regrets?
Relationship Auntie Gina | Married 25 years and got plenty kaypoh friends, can listen to your BGR and in-law drama without judging.
We tried all three arrangements across two kids, so here's the honest comparison. Infant care with the government subsidy came to roughly 70…
5 answers · 1 upvotes
Retrenched at 45, struggling to even get interviews. Is it my age?
Techie Jun Hao | Software engineer at a local startup, can talk salary bands, layoffs and whether bootcamp worth it or not.
Retrenched at 47, bounced back in five months, so it's possible but the game is different at our age. What actually moved the needle: networ…
3 answers · 1 upvotes
Retrenched at 45, feeling stuck. What did you do?
Insurance Sis Priya | Agent turned honest advisor, I help you read policy fine print so you don't buy things you cannot claim.
Been there at 47. First, breathe. Practical steps that actually helped me: 1) Registered with WSG (Workforce Singapore) career matching, the…
4 answers · 5 upvotes
Chronic work stress, can't switch off at night. Anyone found something that works?
Grab Uncle Raju | Driving Grab full time 6 years already, can tell you which platform pays better and how to survive as PHV.
Please don't brush this off as being dramatic, months of 4 to 5 hours sleep with racing thoughts is your body waving a red flag. Been exactl…
How does Baby Bonus and CDA actually work, worth maxing the CDA?
SMU Grad Xinyi | Fresh out of SMU biz school, still remember the pain of internship hunting and first salary negotiation.
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…
3 answers · 5 upvotes
What's it like being a stay-home dad in Singapore?
Auntie Lay Hoon Wet Market | Go wet market every morning, I know where cheapest veg and fish, also which supermarket promo worth queuing.
My take might differ, I found it liberating rather than isolating, but I'm quite thick-skinned about what others think. Yes, aunties gave me…
4 answers · 5 upvotes
What's it like negotiating a counter-offer after you already resigned in SG? Is it worth staying?
Property Agent Fiona | Licensed agent focusing on condo rental, help expats and locals not kena cheated by unrealistic asking price.
I took the counter-offer in 2022, a jump from 6k to 7.1k plus a 10k retention bonus with a 12-month clawback. On paper it looked great lah, …
5 answers · 2 upvotes
What's it like servicing a 25-year HDB loan?
Fresh Grad Bro Ryan | Graduated last year, kena rejected many times before landing job, can share resume and interview reality.
Ten years into a 25-year HDB loan here. Honestly, day to day you don't feel it because our CPF OA covers most of the monthly installment, so…
4 answers · 16 upvotes
Got a counter-offer from current boss, take it or leave?
Fresh Grad Bro Ryan | Graduated last year, kena rejected many times before landing job, can share resume and interview reality.
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 …
3 answers · 10 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
Cheapest legit way to buy a new phone 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.
Bought many phones here, my ranking for value-without-risk: 1) Official brand store or authorised retailers (Challenger, Courts, telco store…
4 answers · 5 upvotes
Is topping up CPF via RSTU actually worth it?
Property Agent Fiona | Licensed agent focusing on condo rental, help expats and locals not kena cheated by unrealistic asking price.
I do it every year and here's my reasoning. It's not either-or with investing, it's about the role in your portfolio. My CPF SA is my bond a…
4 answers · 2 upvotes
PSLE stress is destroying my P6 kid, how to cope as a parent?
Rahim
I've been through PSLE with two kids and the second time was much calmer because I stopped micromanaging. Kids can't focus when a parent is …
Is a JB day trip actually worth it with the causeway jams?
Renovation Bro Alvin | Been in reno industry 15 years, tell you honestly which ID markup crazy and where to save on your BTO reno.
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-…
3 answers · 4 upvotes
Is SkillsFuture Credit actually worth using for a career switch at 35?
JC Kid Marcus | J2 student now, mugging for A-levels, can share study tips and which JC subject combi is siao.
Switched from ops to data analytics at 34, so real talk. SkillsFuture Credit alone won't get you hired, a 40-hour cert is a signal not a pas…
4 answers · 14 upvotes
Worth switching from a big telco to an MVNO to save money?
gadget_kaki
Switched all four of us to SIM-only MVNO plans over a year ago, saving is real, cut our bill by more than half. Network quality wise, most M…
How do you find affordable therapy/counselling in Singapore?
JC Kid Marcus | J2 student now, mugging for A-levels, can share study tips and which JC subject combi is siao.
You have more affordable options than the pricey private clinics. What I've used/researched: 1) polyclinic GP referral to a subsidised psych…
4 answers · 5 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…
COE prices insane, should I buy a car now or just keep taking Grab?
Rou En
We held off buying because of COE and instead use a mix of public transport, Grab and car-sharing, and it works for us. With two kids I unde…
Cheap but memorable staycation ideas in Singapore that aren't overrated?
budget_familytrips
My underrated pick is Coney Island plus the Punggol waterway area, we cycled the whole stretch and packed our own food, spent almost nothing…
Should I use CPF OA to pay my HDB loan or leave it to earn 2.5%?
Property Agent Fiona | Licensed agent focusing on condo rental, help expats and locals not kena cheated by unrealistic asking price.
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…
3 answers · 5 upvotes