Possible to survive without credit card ? Certainly, use Debit card and Cash! :) Or Top up credit card like YouTrip master card/ Revolute card and you can first top up before using them, they it will works like Debit card too! Is it wise ? No. Because with credit card, you just need to : 1) Make sure you keep the $ and repay them fully before or when the bill comes. 2) Spending on Credit card gets cash back or miles get travellers to redeem full or part of the ticket. Unfortunately, cash back dwindle in the last 2 to 3 years, so everyone now mostly focus on miles card. 3) Interested in how to earn cash back or miles ? check out the seedly blog pages in the main website more and this Q&A to learn and ask questions. All the best. Cheers!

Friend use this New Zealand Lavender Massage oil before and said it's very nice not only because it's lavender but can relax and ease headahe too, helps sleep. Can up your budget a bit and try to bargain with seller: https://sg.carousell.com/p/very-smoothing-new-zealand-wanaka-lavender-massage-oil-50ml-264945442?t-id=15075981575001032782&t-referrerrequestid=Y-HUdQlISPlAXr1

I got a 2nd hand phone from mobile square before. The shop is alright. The handset depends on luck, thus mine wasn't good and i managed to go back and get it for exchange and again with issue and they change it for me again. For new handset, it's reliable. I've seen and had a few friends sold their telco recontract handset to them directly to get fast cash. Those would like to sell for higher price and willing to wait would go sell directly at carousell, which is cheaper than all these shop. They are basically the same as you can request for the telco receipt from seller when transact, that you'll know it's a brand new authentic handset. https://redwhitemobile.com/new-phones/ is another recommended by my Tech friend where you can compare if you only wanna get from these shop. Otherwise, carousell offer the best deal!

NTUC / Cold Storage depends if where they stay have which super market, The cost of diapers and formula is very high on a weekly basis, these supermarket vouchers will comes in most handly.

Not necessary, I know a friend who was self-employed (usually hard to get cc) yet OCBC CSO calls him and offer him 2 CC. It really depends.

Not necessary spending 1.6k, some stuck with old telco contract plan so slightly cheaper overall vs no contract sim only plan + buy at carousell / retailer at 1.6k or slightly lessor. The main reason: 1. Apple internal doc shows their phone lasts 4 years. My friend had a few models used more than 4 years, or an iPhone 4 still working quite alright now compare to any android phone that is more than 8 years ago. 2. Apple app store has better quality and build, the whole OS is more stable and consistently design, most of all the OS and app store lock user in for its seamless connections for data/information flow among all the apple products. The more that is in the Tech sector in tech design will know: 1. IOS is more secure than Android (not without bugs/loophole). Face ID is way ahead and secure than any Android facial recognitions hardware on the smartphone. 2. Its battery capacity degrades slower after 2 years of use than Android which is about 1 year. 3. Indeed many android manufacturer provides better hardware than Apple, better features. However, Apple is a consistent design from hardware to software, everything control tightlight and works tightly, with it's A series process that is actually 2 to 3 generations ahead of all Android processor, more power-efficient and usage of less RAM (where android always need to bundle now with at least above 4GB RAm to work smoothly while Apple due to better OS memory handlings, requires less than 4GB RAM to work smooths and every generations faster than any similar range Android hardware that has even better hardware). I can go on and on and I'm not Apple fanatics, I have many complains about Apple but in general, Apple still produces a better overall product, for many years since day 1 where they invented touch screen smartphone with app store that actually works for users from 2-year-old kid to 90 years old man. So I guess we're stuck... lol