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First and foremost, it's best if you both understand each other's approaches and philosophy to finance. It's one thing to take care of your own finances, and another to take care of joint expenses (and this includes extended family say in-laws etc). For example, I have seen disagreements where recently married couples cannot agree on how much they should give their respective parents etc. Budget Really examine what the expenses are to live together. Utilities, food, transport etc. Clearly, it will be even more with children. Understand how much it will be, so as to minimize surprises in the future. Both parents might even have different perspectives on what is deemed 'essential' for a child. One parent might think that chinese tuition classes at $200 a month is absolutely critical, whereas the other might not. More income Look at side jobs, and take on projects that leverage your own skillsets. P.S. I would probably not spend so much on a wedding, but that's my personal take.

Man this is difficult. I am not a pet owner myself, but I do have many friends who see their pets (especially dogs) as family. Additionally, if your husband had just lost his job, it might be possible that he might be feeling down - and having man's best friend by him could help brighten up his day abit. Perhaps talk to him on what the expenses are for the dog, and how it can be reduced without needing to give up on the dog? I certainly hope the situation has improved!

I personally started off with picking my own stocks that I had a strong conviction for, and went from there. My rationale was that I wanted to learn for myself, instead of relying on others to invest on my behalf. It's great that you do not have the liability - which really gives you more flexibility with your savings.

Whilst its good to read up on various resources, the best way is to just get started. Start small. You will find that sometimes when you throw yourself into a deep end of the pool, you will then have the real questions and be more focused when reading up.

Maybe not so much undergrad studies, but maybe further studies in a function that you are looking to expand into! Of course, doing well in that would be important as well.

272 - and I definitely do not believe that grades are a benchmark of success later on in life, especially PSLE scores. Based on my own career path and also my observation of those around me, success in career (not talking but other forms of success) is all about grit, resourcefulness and determination #lifebeyondgrades As a kid, I think my wildly volatile grades were very scary for any parent - as I would literally go from being placed in a 'special needs' class to scoring the top grade, then going back to failing several papers and then subsequently graduating top again. In fact, if I had a kid, I would probably tell him/her to focus on gaining skills more than getting good results.

Here are some ways: 1. Private tuition - definitely more than $15 an hour. You will also learn how easy it is to understand a concept yourself, but difficult to get someone else to understand it. 2. Work out instructor - if you are able to (and also qualified), teaching group classes would pay more than $15 an hour. I think this spans anything from yoga to HIIT to zumba 3. Dog walking - apparently it pays anywhere from $13-25 per walk 4. On a same thread - pet sitting. Said to pay $15 an hour 5. If you are skilled in video editting/photoshop/graphic design - take up projects on the side 6. Likewise for writing good copy

1. Private tuition - definitely more than $15 an hour 2. Work out instructor - if you are able to (and also qualified), teaching group classes would pay more than $15 an hour. I think this spans anything from yoga to HIIT to zumba 3. Dog walking - apparently it pays anywhere from $13-25 per walk 4. On a same thread - pet sitting. Said to pay $15 an hour 5. If you are skilled in video editting/photoshop/graphic design - take up projects on the side 6. Likewise for writing good copy