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@meesh1070 I have to freelance on the side just so my mum has pocket money. Every month is like 1.5k out due to her spending, and I’m already paying for rent and utilities. It’s a really tough commitment (literally no rest days sometimes) but I can’t make myself run away from it. She’s not a bad...

@dennis1209 Prior to moving here I went to see a few condos to rent and ended up deciding on this place because the MRT is just walking distance and there’s a grocer downstairs so I don’t have to leave the area to get daily necessities. Basically it’s a low-ish density mixed development. There...

@ashish_nanda Yeah, I get that, but my initial thoughts were “at least I’m still paying for my own place”. (Most likely until I actually GG from this world) Was just REALLY triggered that my landlord didn’t inform me of the increase until the very last 2 weeks before they actually sent the...

@justtrynaunderstandy%E2%80%99all It’s already built. Developer just released their showroom units. I think I have just enough to settle the renovation costs (I wouldn’t need much), but like another commenter said, I will eventually end up living like a beggar if I went through with it. For...

@mph Noice One word answers are really all we need sometimes. Thanks!

@buryacorns All right, thanks for the reminder. I’ll keep my mind open to house shopping until I find a decent deal

@doctored Seems like it! I guess I have to be patient

@philipito The problem with me is that I usually tunnel vision towards what I want unless I have enough reason to tell myself that it is unsustainable/impossible. There are many other condos to consider but it’s rare to find the typology/design that I like, so I’d probably not want to have it as...

@philipito Current rent 1.8k, personal expenditures 2k at most

@revtyl I didn’t know condos also had to pay cukai pintu/tanah. I thought that was for landed property only. And every year?? Shiiieeet…

@gtfox26 It would force me into getting a car/bike, which I don’t want. I’m pretty firm on staying in a mixed development for the sake of convenience. Besides, I think there are many other people who need those homes instead of me. I’ll just work a little harder in the mean time. Thanks for the...

@gtfox26 Not sure what you mean. @@

@gtfox26 If that’s the case, I really need new friends. But thanks for your honest opinion! Really appreciate it

@dragonfyre Yes, your tips have definitely been helpful. I just took a screenshot for future reference haha. Will look into my account with TDA again. Withdrew everything way back before covid because I wasn’t confident that my portfolio would survive. Will think about just keeping a portion of...

@dragonfyre Yes, everyone has been so helpful and transparent. It really gives me a clearer perspective. Also will try to remember your recommendation to stick to 30-40% take-home for installments in the future. I think that’s a very reasonable ratio to stick by. Will also try to avoid the 35...

Thanks to everybody who left a comment. As someone who has literally no one to turn to for personal financial advice (I’m really on my own in this life), I really appreciate the honesty and suggestions. I don’t know about everyone else, but it is has been extremely frustrating to think about...

@fndnstne Thanks for responding. So you are suggesting having around 2k+ for personal expenses is really necessary despite having savings on the side? Or would you suggest footing more DP so that I can reduce the monthly instalment to maybe 2.5-2.7k? I really don’t spend very much on myself too.

Stats: 30/M/single/KL, 6.5k monthly, 5.4k take home, 150k savings, 80k epf, 10k random investments (doing shitty atm), 15k/yr freelance on the side but not consistent. -1.8k rent, -2k monthly personal expenditure (at most, can be MUCH lower), CTOS “Very good”, no existing loans, no outstanding...

@khankorp Regarding receipts, we can’t upload them now, but it’s a good idea to take a photo of your paper receipts and save the image files (or take photo as a document using the notes app on iPhone to save as PDF and it can also convert text to digital text) keep them filed somewhere on your...

So recently, one of the cofounders of my company (a small, but growing MNC) offered to promote me to a more senior position. I wish I could disclose the actual title of the new position to give you guys more context but it’s a very niche industry so it would be quite easy for “my people” to...