Spendingonbrownies

Been looking for new podcasts to listen to. Sometimes I'd try to listen to some of the Singapore media run podcasts (like Deep Dive) and others. Some are okay, but I find that they're usually still very superficial. First-order thinking kind of superficial, or they reject suggestions with superficial reasons without diving further in. I'm sure maybe some of it is substantiated by studies and data but I would like to hear and see some of that too. I didn't bother digging into which are considered state-sponsored media or whether there might be conflicts of interest in certain topics but I'd wish there would be a higher level of discussion in topics. Maybe that's a reflection of why the healthcare system is like this too.

🎉 Year 2 Week 37 + 38 🎉 💬 Healthcare Thoughts 💬 A little busy the past week so my apologies for missing a week of update. National Day Week! I didn't really watch much of the parade. Snippets here and there, enough to see many 67 memes being emoted during the parade. No strong feelings about it. Never been one to feel ultra-patriotic of Singapore, but generally satisfied with what we have. Though, being in healthcare, and also I'm not sure if it's just getting older, there definitely has been a sense of growing dissatisfaction with how certain things are being done. Similar to work I guess. Part of me feels like, I want to do more. Part of me feels like, I want to do more to improve my own life first, then think about what I can do to give back to others in my spare capacity. Right now, I don't even have enough capacity for myself. Though, one thing I would really like to do is to figure out how to integrate AI into my workflow. The main way that my workplace has been thinking about is to use AI to answer generic clinical or maybe basic care questions. But the issues I have seen so far is we are not tech literate enough to train models well, we don't really know how to use AI very well and we are cramming AI down every single area we can find. Been wanting to spend time to figure out my caregiver app a bit more, though life is just getting in the way. Maybe I need t o dedicate like a full day of sitting down to coding it. 📕 Recent Posts / Resources 📕 [Instagram] What to do about your bonus? [Etsy] Quarterly Networth Tracker [Telegram] Salary List for Healthcare Workers 🤑 Financial Stuff 🤑 Bonus are in! Saving as much as I can now, but temptation to invest is always there. Though, sometimes we need to sit back and remember what the goal of investing is, rather than let it be the goal. Refer to my bonus post on what to do. ✨ Actionable Advice ✨ - 🤓 Quote of the week 🤓 Don't mistake your own ignorance for the stupidity of others. - Unknown

‼ The Healthcare Lab 8 Sign Ups are still open!! ••• The Healthcare Lab is a private networking community for Healthcare Workers by Healthcare Workers. Members can expect 8 weeks of: ✅ Multiple weekly discussion topics - Topics are collated and linked for easy access in case you want to get back to messages. - Regular personalized check ins from myself ✅ Free-flow conversations on top of discussion topics. From celebrating your wins at work to sharing about our struggles of adulting. ✅ Will give an excel + sheets copy of my quarterly networth planner with Lab members for free! Worth $8.90. Past members have ranged from SIT students to JG16s. I have also attached examples of a few topic discussions from past Labs. Once 8 weeks are over, Lab will remain open until the next Lab starts to allow continued use of the space. ••• It's always been a warm, comfortable and safe space inside. There will be lots of laughs, lots of heart felt sharing and a lot more useful information than you'd expect. My only request is that you participate! Active participation benefits everyone. ••• Sign ups closed! I'll contact everyone in the next two days. I will personally reach out to you via Instagram DM in the next 1-3 days to guide you through on-boarding :)

🎉 Year 2 Week 36 🎉 💬 Healthcare Thoughts 💬 Going to take a break from all the pay stuff for now. Thank you all for sharing. It was fun collating and charting it into a scatter plot. I'll continue to collate the data and share it as well as my observations and trends. I must say, there is definitely a self-selection bias where higher income folk will tend to participate in these self-reporting surveys more, so don't feel too bad if you find your income is nowhere near as high. Mine's also on the middle-ish end of the spectrum baed off the chart. Had some thought about the whole retention thing. Wondering if people really would want to stay in public or not if we had a better work environment. Would they stay because of the better work environment? Or because public is something they'd rather work in? Some thoughts as well about how many of my followers appear to be quite high achieving, and many share hesitancy to share projects and ideas with their departments for fear of losing credit or creative control over projects. Feel like this is an entirely different problem, but also still the same cultural issue problem. 📕 Recent Posts / Resources 📕 [Instagram] What to do about your bonus? [Etsy] Quarterly Networth Tracker [Telegram] Salary List for Healthcare Workers 🤑 Financial Stuff 🤑 Bonus are in! Saving as much as I can now, but temptation to invest is always there. Though, sometimes we need to sit back and remember what the goal of investing is, rather than let it be the goal. ✨ Actionable Advice ✨ - 🤓 Quote of the week 🤓 Never let those unhappier than you bring you to their level - Unknown

https://www.instagram.com/p/DbX6Xf3Er4G/? New post! Bonus season

Hmm... 2 quarters down 0.x% after 20+ quarters of up for resale prices. It's giving 🤦🏻‍♂️ Real Estate agents frothing at their mouths

JUST IN: The 15-month wait-out period for people who sell private homes to buy public flats will be removed with immediate effect, says National Development Minister Chee Hong Tat. https://cna.asia/45rmq4k

Managed to get the finance tracker done! Link below if you're keen to get it (both Google Sheets & Excel format available) for the price of a BBT. https://www.etsy.com/sg-en/listing/4543685904/personal-finance-tracker-excel-google Hope you find it useful :) If you have any questions and/or feedback, feel free to ask me! ••• Also, bump for Lab 8 sign ups opening next Sunday. Might only have 2-3 slots by then so DM me if you have interest!

‼️ The Healthcare Lab 8 Sign Ups will open on 2nd Aug, Sunday in 2 weeks. ••• The Healthcare Lab is a private networking community for Healthcare Workers by Healthcare Workers. Members can expect 8 weeks of: ✅ Multiple weekly discussion topics - Topics are collated and linked for easy access in case you want to get back to messages. - Regular personalized check ins from myself ✅ Free-flow conversations on top of discussion topics. From celebrating your wins at work to sharing about our struggles of adulting. ✅ Will give an excel + sheets copy of my quarterly networth planner with Lab members for free! Worth $8.90. Past members have ranged from SIT students to JG16s. I have also attached examples of a few topic discussions from past Labs. Once 8 weeks are over, Lab will remain open until the next Lab starts to allow continued use of the space. ••• My only request is that you participate! Active participation benefits everyone. Am planning to keep the group small and tight. More than 3/4 of members are renewing so there are less than 5 slots remaining (I already included new members who have requested reservations). I do accept reservations of slots! Stay tuned to this space.

🎉 Year 2 Week 35 🎉 💬 Healthcare Thoughts 💬 Managed to consolidate the payslips! They are still coming in so please forgive me if I miss a couple as I am running this page solely on my spare time :') Click here to have a look (or just refer to pinned messages) Otherwise, good response so far from my most recent post on retention. Glad many people resonate, and even some people feel a sense of relief that their struggles were not solely their own. 📕 Recent Posts / Resources 📕 [Instagram] Are we losing too many Healthcare Workers 🤑 Financial Stuff 🤑 In the middle of polishing up my excel tracker for publishing. Give me a few weeks. ✨ Actionable Advice ✨ - 🤓 Quote of the week 🤓 Not all educators are worthy of the title of teacher - Teach You a Lesson (2026)

https://www.instagram.com/p/Da9XKGekmEj/? New post :)

🎉 Year 2 Week 34 🎉 💬 Healthcare Thoughts 💬 Thinking about the payslip consolidation. Will get to it this week, but just to note that I haven't really personally verified any of them. A lot of the payslips on the subreddit appear to be edited or ran through with AI so take any significant outliers with a pinch of salt. But at the same time, be wary of brushing off anything you don't believe as possible as AI unless you're really certain. 📕 Recent Posts / Resources 📕 [Instagram] Q2 2026 🤑 Financial Stuff 🤑 In the middle of polishing up my excel tracker for publishing. Give me a few weeks. ✨ Actionable Advice ✨ - 🤓 Quote of the week 🤓 Only a coward feels mighty stepping on ants. - Apocolypse, X-Men'97 (2026)

Okay maybe I won't spam the payslip thing but let me consolidate into a pinned message?

Consolidated Healthcare Payslip ✅ = verified 🔶 = tax statement seen All others self-reported, unverified. Sorted by ascending YOE then ascending salary in that order. AHP ─ 0 to 4 YOE ─ 𝟱𝟯,𝟬𝟬𝟬/yr • JG12 OT, 1.5y Comm (Jul 26) 𝟳𝟰,𝟬𝟬𝟬/yr • JG12, 2.5y PHI (Jul 26) 𝟱𝟵,𝟬𝟬𝟬/yr • PT, 3y Public CH (Jul 26) 𝟲𝟮,𝟬𝟬𝟬/yr • PT, Paeds, 3y Comm (Jul 26) 𝟲𝟲,𝟬𝟬𝟬/yr • OT, 3y CH (Jul 26) 𝟳𝟯,𝟬𝟬𝟬/yr • JG12, 3y PHI (FY25) ✅ 𝟳𝟱,𝟬𝟬𝟬/yr • AHP, 3y SSA (Jul 26) 𝟳𝟵,𝟬𝟬𝟬/yr • JG12, 3y PHI (Jul 26) 𝟴𝟬,𝟬𝟬𝟬/yr • JG11, 3y PHI (Jul 26) 𝟵𝟮,𝟬𝟬𝟬/yr • JG13, 3y PHI, incl bonus (Jul 26) 𝟳𝟴,𝟬𝟬𝟬/yr • JG12/13 AHP, 3.5y PHI (Jul 26) 𝟲𝟳,𝟬𝟬𝟬/yr • JG13, 4y PHI (Jul 26) 𝟳𝟭,𝟬𝟬𝟬/yr • JG13, 4y PHI (Jul 26) 𝟳𝟴,𝟬𝟬𝟬/yr • JG13 OT, 4y PHI (Jul 26) 𝟳𝟵,𝟬𝟬𝟬/yr • JG12, 4y PHI (Jul 26) ✅ 𝟴𝟳,𝟬𝟬𝟬/yr • JG12 SLT, 4y PHI (Jul 26) 𝟵𝟭,𝟬𝟬𝟬/yr • JG13 Pharmacist, 4y PHI (Jul 26) 𝟵𝟮,𝟬𝟬𝟬/yr • JG13, 4.5y PHI (Jul 26) ─ 5 to 10 YOE ─ 𝟳𝟵,𝟰𝟬𝟬/yr • JG13 OT, 5y PHI (Jul 26) 𝟴𝟬,𝟬𝟬𝟬/yr • JG12 Counsellor, 5y (Jul 26) 𝟴𝟬,𝟬𝟬𝟬/yr • JG13 Sen Radiographer, 5y PHI (Jul 26) 𝟴𝟲,𝟬𝟬𝟬/yr • JG12, 5y PHI (Jul 26) ✅ 𝟵𝟴,𝟬𝟬𝟬/yr • JG14 Pharm, 5y PHI (Jul 26) 𝟭𝟮𝟬,𝟬𝟬𝟬/yr • Psychologist, 5y Private (Jul 26) 𝟴𝟵,𝟬𝟬𝟬/yr • JG13 OT, 5.5y PHI (Jul 26) 𝟵𝟭,𝟱𝟬𝟬/yr • MSW, 5.5y PHI (Jul 26) 𝟴𝟲,𝟬𝟬𝟬/yr • JG13, 6y PHI (Jul 26) ✅ 𝟵𝟭,𝟬𝟬𝟬/yr • JG13, 6y PHI (Jul 26) 𝟭𝟬𝟱,𝟬𝟬𝟬/yr • JG13 AHP, 6y PHI (Jul 26) 𝟴𝟳,𝟬𝟬𝟬/yr • JG14 Radiographer, 7y PHI (Jul 26) 𝟵𝟭,𝟬𝟬𝟬/yr • JG14, 7y PHI (Jul 26) 𝟭𝟬𝟬,𝟬𝟬𝟬/yr • JG13, 7y PHI (Jul 26) 𝟵𝟳,𝟱𝟬𝟬/yr • JG14, 8y PHI (Jul 26) 𝟴𝟴,𝟬𝟬𝟬/yr • JG13, 9y PHI (Jul 26) ✅ 𝟭𝟬𝟱,𝟬𝟬𝟬/yr • AHP, 10y PHI (Jul 26) 𝟭𝟰𝟭,𝟬𝟬𝟬/yr • PT, 10y Private Hosp (Jul 26) ─ 11+ YOE ─ 𝟵𝟯,𝟬𝟬𝟬/yr • JG13 Med Lab Sci, 11y PHI (Jul 26) 𝟵𝟱,𝟬𝟬𝟬/yr • JG13, 11y PHI (FY25) ✅ 𝟭𝟬𝟰,𝟬𝟬𝟬/yr • AHP, 11y PHI (Jul 26) 𝟭𝟬𝟯,𝟳𝟬𝟬/yr • JG13 Med Lab Sci, 11y PHI (Jul 26) 𝟭𝟭𝟮,𝟮𝟬𝟬/yr • JG14 Pharm, 11y ILTC (Jul 26) 𝟭𝟮𝟬,𝟬𝟬𝟬/yr • JG14, 11y PHI (Jul 26) ✅ 𝟭𝟮𝟱,𝟬𝟬𝟬/yr • PT, 11y Private (Jul 26) 𝟭𝟬𝟵,𝟬𝟬𝟬/yr • AHP, 11.5y CH (Jul 26) 𝟭𝟭𝟲,𝟬𝟬𝟬/yr • JG14, 13y PHI (Jul 26) 𝟭𝟮𝟰,𝟬𝟬𝟬/yr • JG14, 13y PHI (Jul 26) 𝟭𝟯𝟬,𝟬𝟬𝟬/yr • SLT, 13y Com (Jul 26) 𝟭𝟯𝟬,𝟬𝟬𝟬/yr • JG14 Pharm, 15y PHI (Jul 26) 𝟭𝟱𝟬,𝟬𝟬𝟬/yr • JG15, 15y PHI, (FY25) 𝟭𝟱𝟲,𝟬𝟬𝟬/yr • AHP Management, 15y SSA (FY25) 𝟭𝟱𝟲,𝟬𝟬𝟬/yr • JG15, 15y PHI, (FY25) ✅ 𝟭𝟮𝟬,𝟬𝟬𝟬/yr • AHP, 16y SSA (Jul 26) 𝟭𝟮𝟵,𝟬𝟬𝟬/yr • JG15, 20y PHI, incl bonus (Jul 26) NURSING ─ 0 to 4 YOE ─ 𝟴𝟯,𝟬𝟬𝟬/yr • SN I, 2y PHI (Jul 26) 𝟴𝟬,𝟬𝟬𝟬/yr • SN I, 3y PHI, degree (Jul 26) 𝟴𝟭,𝟬𝟬𝟬/yr • SN I, 3y heavy oncall + OT (FY25) ─ 5 to 10 YOE ─ 𝟵𝟯,𝟬𝟬𝟬/yr • NN14, 5y PHI (Jul 26) 𝟴𝟱,𝟬𝟬𝟬/yr • SSN2, 5.5y PHI, deg (Jul 26) 𝟭𝟬𝟰,𝟴𝟯𝟬/yr • SSN, 6y SOC (Jul 26) 𝟭𝟮𝟰,𝟬𝟬𝟬/yr • ANC, 7.5y PHI (Jul 26) ─ 11+ YOE ─ 𝟵𝟬,𝟬𝟬𝟬/yr • SSN, 13y PHI (Jul 26) 𝟳𝟬,𝟬𝟬𝟬/yr • SSN II, 14y Poly (Jul 26) 𝟭𝟮𝟴,𝟬𝟬𝟬/yr • Nurse, 14y PHI (Jul 26) 𝟵𝟬,𝟬𝟬𝟬/yr • SSN1, 15y, incl bonus (Jul 26) DOCTORS 𝟰,𝟱𝟬𝟬/mo • HO PGY1, gross excl allowance (Jul 26) 𝟱,𝟬𝟱𝟬/mo • MO PGY2+, gross excl allowance (Jul 26) ADMIN ─ 0 to 4 YOE ─ 𝟲𝟳,𝟬𝟬𝟬/yr • JG11, 1.5y PHI, FY25 (Jul 26) 𝟳𝟱,𝟬𝟬𝟬/yr • Admin, 2y PHI (Jul 26) 𝟳𝟮,𝟬𝟬𝟬/yr • JG12, 3.5y PHI (FY25) 𝟱𝟱,𝟬𝟬𝟬/yr • PSAE, 4y (Jul 26) ─ 5 to 10 YOE ─ 𝟵𝟰,𝟬𝟬𝟬/yr • JG13 Admin, 10y PHI (Jul 26) ─ 11+ YOE ─ 𝟭𝟭𝟰,𝟬𝟬𝟬/yr • JG14, 11y PHI (Jul 26) 𝟭𝟬𝟮,𝟬𝟬𝟬/yr • Asst M, 17y PHI (Jul 26) 𝟭𝟲𝟮,𝟬𝟬𝟬/yr • JG16 Senior M, 20y PHI (FY25)

🎉 Year 2 Week 32 & 33 🎉 💬 Healthcare Thoughts 💬 Apologies for missing last week. Been hectic. Had a lot of really good conversations with many people on my page last few weeks (thank you for tolerating my absurdly slow replies). Lots of sharing about work, alternatives, how everyone wants to live their lives. Timely with the recent physiotherapist article on ST on more physiotherapists going to private. I remember someone asking me the upside and downside for public VS private for PT, and honestly I couldn't really find a very good justification not to go private. The cons were generally manageable and the pros were definitely much greater. Also, saw someone on TikTok complaining about A&E wait times again. Bleagh. 📕 Recent Posts / Resources 📕 [Instagram] Healthcare Worker's Guide to Money Things v3.0 [Instagram] Too tired to manage your money? [Instagram] Q2 2026 🤑 Financial Stuff 🤑 Bonus letters are out. Individual bonus letters out later this month. Shared some nursing salaries above in this channel above. Was wondering if I should collate, if people are keen. :3 And also maybe will make my networth tracking template public if people want. ✨ Actionable Advice ✨ GIRO your CC statements so you don't miss them like I did once. No idea why UOB hasn't accepted my GIRO yet... 🤓 Quote of the week 🤓 Wealth consists not in having great possessions, but in having few wants - Epictetus

https://www.reddit.com/r/singaporepayslips/s/wedXNIbF7i Another one, AHP 4 YOE 👀

Good morning 👀 https://www.straitstimes.com/singapore/health/more-physiotherapists-opting-to-work-in-private-healthcare-can-public-sector-keep-up