i already withdraw from EPF twice  first time during purchase...got a lump sum $$$ so went holiday to Korea 

now, the second time is monthly installment thingy  so basically, EPF...no need consider....

i do hv some money put aside for reno...but i think its not enough....i've been asking around and they all cost alot...esp the bloody kitchen cabinets...my my my...

anyways, what i want to do now if important, and not just to beautify the place..

1) plaster ceiling
2) lights & power points
3) air conditioning
4) painting
5) flooring - bot laminated floor but not installed yet
6) other hacking & reno works...
7) kitchen + bathroom reno
8) wardrobes
9) beddings + sofa
10) Audio Video system (very important)

altogether, i think shud be around RM70K or so if staying on the budget side....my goodness...RM70k...how can anyone afford it i dun understand...this dude who owns one unit of apartment few floors up from mine..his place almost finish reno dy, really nice design btw...i went up asked the contractor, he told me total reno cost RM120k+++...i was like  that's 1/3 the price of the apartment unit 

maybe he rich kua...but by any means...dun think i can strech my budget till tat much...i have now approx RM40k onli...

the funny thing is when i ask the same contractor (cos i really like the design) wat can be done with RM40k he was like errr...err...errr...err.....RM40k...can can can..sure can one...u call me la when u want to talk ok??? 

guess 40k is nothing these dayss...

if take personal loan, mean i need to pay to yet another account monthly...which is not something i'm preparing to do...already my monthly commitment is stretch to the limit dy....i tot can get extra loan $$ from my house loan account then i onli pay same amount of RM every month but longer tenure by few years maybe...really no such thing?? hhrrmm....why bank so kedekut lee....they got so much money...