Actually if u can afford i dun see the problem. What exactly is the concern here?

For guys: tailored clothing can make a big difference. Go for mature hairstyles. Ask your friends if you look older with or without glasses, buy glasses or contacts accordingly. If u really feel there is a need to, get glasses eith no degree if glassea make you look more mature. For women: longer hair makes you look older, so grow it out. Learn how to put on makeup - lots of tutorials for that. Go for officewear, tailored if possible. Wear high heels. Same tip about glasses. For either gender, be confident. Fake it till you make it. Dont betray your consternation when people mistake you for an intern, just smile and inform them confidently that you are the manager (?) And u can assist them. Over time your poise and confidence will grow.

Say you don't have any more spare cash to plow into more plans. It sounds like you've already bought a number of plans so it is an acceptable reason.

I think it is fine to just give a broad, vague hint, without making it seem like there are even financial problems. Probably something along the lines of managing money better. But not to tell him about the true nature of the problem. Reason: I don't think it is good for a kid's developing psyche to inform him of the full extent of your problems as it will erode his self-confidence and feeling of security, which will follow him into adulthood. As much as we wish that our children learn not to derive self-confidence from having money, we cannot deny that it does affect confidence. I think I saw an article once about how it affects children into adulthood, causes them to present themselves differently and make different decisions. So im not saying don't tell him so as to spare his feelings, but rather don't tell him so that his mental development will not be adversely affected in the long run. If he persists in asking, just tell him you both recently did a review of your finances and felt that the family as a whole could afford to cut back on expenses generally, in order to prepare for the future or any emergencies.

If you do choose to have a child, get a nanny to care after your child when you need to work. And ofc ask your husband to help also. In the absence of relatives' help, that's honestly the only way. Add on: talk to ur husband beforehand and agree on who takes the kid to vaccinations, what happens when kid falls ill etc. These are the little things that one may not think of at first but which I frequently see my working mum colleagues struggle with.

First and foremost, I suggest you try to get a lawyer. If you cant afford, try legal aid bureau. Lawyers are qualified to advise you best. Below are my suggestions only, pls do your owb calculations. With that in mind: 1. Get custody of your daughter. 2. Tell the judge you need a place to raise your daughter. Therefore, u need the flat to be transferred to you. Note got 2 options under cpf for property - sale versus a mere transfer. Here i am talking about transfer, not sale. Transfer other than by way of sale means you dont have to come up with money for buying over his share of the flat. This is possible subj to hdb and cpf approval. It is a bit complicated so you may want to look at cpf website. If possible, try to get ex husband to pay all future loan instalments, and make his own refunds to cpf. If he is unable to refund cpf, you can also have the house transferred to you without having to make cpf refunds to ur husbands cpf (subject to cpf and hdb approval). But in the future if u sell again, cpf refunds need to be made to your own account. Amount to refund will be both u and ur husbands unrefunded cpf, WITH interest. EDIT: i found the cpf link. Look under division of cpf-related assets in matrimonial proceedings. https://www.cpf.gov.sg/Members/FAQ/schemes/other-matters/others 3. Monthly maintenance for you and your daughter. Alternatively, ask the judge to require ex spouse to bear your daughters' education fees until tertiary level. That will be another load off your mind. 4. If you're forced to choose between having a monthly maintenance and having the flat transferred to you WITHOUT or with MINIMAL OUTSTANDING LIABILITIES (e.g. ex spouse will bear the loan instalments), suggest you take the flat instead of maintenance. The importance of having a secure place to stay CANNOT be underestimated. If you end up not having a residence, you will need to set aside money every month for either rental or servicing instalments on your own flat, and that will just eat up any monthly maintenance u will get. Not only that, rental, while cheap, is basically money spent that you will never see again. That is unlike a flat which you can sell some time in the future. You are not accumulating assets at all - you are basically just spending money just to have somewhere to rest your head. Plus you are at the MERCY OF THE LANDLORD who will DEFINITELY increase rental cos of sg's property market now. There will be no feeling of security and you will constantly be worrying at the back of your mind about potentially losing your home. All the best.

1. Spending to save. 2. Buying endowment plans / topping up srs / topping up cpf / any other similar forced savings when it would have done better in a multiplier bank account or when you are unsure if you will ever see that money when you really need it.

Get thrifty friends with similar mindsets as you. If they are all the high income or high spending type, it is almost impossible to be thrifty.

1. IRAS: Shares capital gains taxable. 2. Cryptocurrency replaces SGD as currency.

Singapore savings bonds. $5k is too little and precious for you to risk on shares or on anything else that doesn't guarantee returns.