Poly Student Nurul Knowledge Chief

Year 2 poly student doing biz admin, can share about attachments, GPA stress and part-time job hunting.

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Side Hustle & Business 3
National Service (NS) 3
Money & CPF 3
Cars & COE 2
Food & Hawker 2
Salary & Bonus 1

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Salary & Bonus

Fresh grad offer feels lowball, should I negotiate or just take it?

HR-side experience here, so let me demystify it. For fresh grads, yes you can negotiate, and no, a reasonable ask will almost never make them rescind, that is a myth juniors believe. But do it smart. First, benchmark properly: the MOM graduate employment survey and salary guides by recruitment firms give real median starting pay by degree and sector, use those, not inflated Reddit brags. Second, if the offer is genuinely below market, reply politely: thank you, I am keen, based on my research and my internship experience I was hoping for around X, is there flexibility? Anchor with a number and a reason. Worst case they say no and you take the original, you lose nothing. Third, negotiate the whole package, not just base, sometimes they can add sign-on, more leave, faster review. Fourth, weigh the learning and brand value of the first job, sometimes a slightly lower pay at a place that trains you well pays off in your next jump. But don't accept a clearly under-market offer out of fear, a firm ask shows maturity.
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All answers (23)

Have a side hustle, do I need to declare the income and pay tax in SG?

Run a side freelance gig alongside employment, so I file this every year. Short answer: YES, income from your side hustle is taxab…

What's it like switching from a private-sector job to the civil service in your late 30s? Was the stability worth it?

Made the jump from a private MNC to a statutory board at 36 and five years on, I'd say it was worth it but manage your expectation…

Health 58

Polyclinic super long wait, when is it better to just pay for a GP?

Long-time polyclinic and GP user, here is my rule of thumb. Polyclinic makes sense when: you need the subsidy (chronic meds, refer…

Failed my IPPT, how does RT work and will it mess up my window?

Cleared RT twice, no drama, here's the deal. Failing IPPT means you're placed on the Remedial Training programme, you complete a s…

Just ORD-ed, how many years of reservist do I actually have and what should I expect?

Congrats on ORD. Straight answer: after your full-time NS you serve as an Operationally Ready NSman for a number of years, during …

COE expiring, renew for 5 or 10 years or just scrap and rebuy?

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 P…

How to prepare for BMT before enlisting? Quite scared honestly

ORD-ed a while back, BMT feels huge before but it's very survivable. Physical prep matters most, start NOW: 1) build running base,…

Toxic boss but good pay and role, do I stay or leave?

Stayed too long under a toxic boss once, and it cost me more than the good pay was worth, so hear me out. First, separate the fixa…

How do you decide whether to buy a car in Singapore now or keep waiting for COE to drop?

Timing the COE is a fool's game, I watched it obsessively for two years hoping it'd crash, and it never did, it just wobbled and s…

Renovation contractor did shoddy work, can I use Small Claims Tribunal?

Went through the Small Claims Tribunals (SCT) against a contractor, won, so here is how it really works. First, check eligibility:…

CPF LIFE Basic vs Standard vs Escalating, how do I choose?

I chose Escalating because inflation over a 25-year retirement is the silent killer, a fixed payout that felt fine at 65 will feel…

Started a small side hustle, do I need to declare it and tell my employer?

I freelance on the side too. Declared it to IRAS from day one, better safe than sorry, the amounts are small so the tax is minimal…

How do I actually make good use of my SkillsFuture credits?

I wasted my first tranche on a photography course I never used, so learn from me. Second time I asked "will this get me a raise or…

Should I transfer my CPF OA to SA for the higher interest?

I did it but only after I'd fully paid concerns for my flat. Regret nothing, my SA is snowballing nicely toward FRS. But my collea…

How much emergency fund is enough in Singapore?

SSB is my favourite for this, redeemable any month with no penalty and you get the accrued interest. I ladder T-bills for the port…

What are the hard truths of running a hawker stall that nobody tells you before you start?

Rental is the silent killer. Coffeeshop landlords can jack up your rent when the tenancy renews and you have zero leverage because…

How did you climb out of burnout without quitting your job entirely?

Please don't wait as long as I did, I ignored the palpitations for a year and ended up with a proper anxiety diagnosis that took m…

How many times did you ballot before getting a BTO queue number?

Got mine second try but I think being a family with one kid using the Parenthood Priority Scheme helped a lot. First-timer singles…

SIM-only vs telco contract with phone, which actually saves money?

If you DO want a new phone, buy it outright (or on a 0% instalment via credit card if available) and pair with SIM-only, this deco…

Ghosted after final round interview, should I follow up?

Connect with the hiring manager on LinkedIn (not HR) if you had good rapport. A soft message there sometimes unsticks things becau…

Side hustle ideas that actually make money in SG, not the usual scammy ones?

Tutoring, and I cannot stress enough how steady and reliable it is here, because the demand basically never dries up, Singaporean …

Best time to go hawker centre to avoid the queue and food not sold out?

Weekday versus weekend makes a huge difference people forget. Weekday lunch at a hawker near offices (CBD, Tanjong Pagar) is packe…