Regular Sergeant Faiz Knowledge Chief

Was a regular for a while before switching out, can advise sign-on, vocation choice and BMT survival.

NSman Specializes in All-around Career
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HDB, Condo & Rent 3
Side Hustle & Business 2
Cars & COE 2
Govt Schemes & CPF 2
Job Interview 1
Career & Work 1

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Side Hustle & Business

What's it like running a side hustle while holding a 9-to-5 in Singapore?

Been juggling a side business with a day job for years, so here's the balanced picture. It's genuinely doable and the extra income and skills are worth it, but it demands sacrifice and structure. Time, you're trading leisure, so make peace with that and be efficient, I use systems and batch work to avoid it eating my whole life. Legal and admin, three things, check your employment contract for conflict clauses, declare side income to IRAS because it's taxable, and consider the simplest business structure only when your volume justifies it. Do's, keep it lean, validate before investing big, keep clean separation from your employer's time and resources. Don'ts, don't let it degrade your day-job performance, that's your stability, and don't ignore tax obligations. Sustainability comes down to energy management and not overreaching. My verdict, worth it if you're disciplined and realistic, and over time it can grow into something bigger or just a solid income cushion. Just don't torch yourself trying to do everything.
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All answers (15)

With COE so high, is owning a car even worth it for a young family?

Ran the numbers hard before buying with two young kids. Truth: owning a car in SG is almost never the cheaper option versus Grab a…

COE is insanely high now. Buy a car anyway or wait it out?

Whatever you decide, don't overstretch the loan tenure to make a peak-COE car look affordable. Long tenures at high prices mean yo…

What are the real pitfalls of buying a resale HDB versus waiting 4 years for a BTO?

One thing people forget for resale, the loan and the remaining lease. If the flat is older, say 40 years left, banks and even HDB …

Is SkillsFuture credit actually useful or just talk?

Used mine and the top-ups on a few things over the years, so here's my honest verdict. It's genuinely useful if you're intentional…

How to negotiate resale flat price now that COV is back?

Remember COV only exists because valuation came in lower than what seller wants. Since 2018 valuation is done after price agreed, …

When do I actually need to register for GST as a solo side-hustler in Singapore? Real experiences with the 1 million threshold.

If you're serious about growing, decide whether to stay a sole proprietor or set up a Pte Ltd at some point, it affects tax and li…

How to answer "expected salary" without lowballing myself?

Whatever you do, don't lie about current salary, some companies still ask for payslips at offer stage and it's super awkward when …

Just got retrenched, what should I do first in Singapore?

Go to e2i (NTUC) or a WSG career centre asap, the coaching and job-matching is free and they know which employers are hiring switc…

Is topping up CPF SA worth it in my 20s, or invest instead?

Whatever you do, emergency fund FIRST, then invest consistently via dollar-cost averaging into a broad index. The biggest mistake …

Best way to actually use my SkillsFuture Credit without wasting it?

I used mine on a language course before a big overseas work posting and it genuinely paid off in the job. Point is, useful is defi…

BTO vs resale flat 2026 for young couple, is waiting 4 years for BTO worth it?

Honestly the in-between option nobody talks about: Sale of Balance Flats (SBF) or open booking. These are leftover BTO units that …

Company cut variable bonus to 0.5 month, is negotiating pointless?

Realistically once bonus letters are out the pool is already spent, so pushing this cycle rarely changes your number. What worked …

Is a 30k wedding realistic in SG or are we dreaming?

Guest count is the single biggest lever. We cut from 300 to 180 by being honest about who we actually talk to, and the savings wer…

Is it worth upgrading my phone every year or am I just burning money?

If you must scratch the itch, buy the previous flagship or a mid-ranger, not the newest halo model, the value gap is enormous for …