agree with Wei Kee.

anything you wanna change for the sake of "looking NICE" can wait =D

do the things you NEED 1st then only move on to the things you LIKE.

unless you're comfortable paying the addition loan amount each month. But seeing you set your budget low, you may need to sweat abit paying off the addition loan right?

so at the end, if take loan, you get your dream house, but you probably will not be relaxing in your home with a clear mind, knowing you have to feed the bank more money come month end @_@

work within your means...i have been there, and having to pay off debts each month does put alot of stress on one's mind and body >_<

Kelvin,

coming back to a house with patches more stress, or paying off debts more stress? LOL normally, or mostly ppl would go for the latter.

anything to do with $$ = stress/worries. otherwise we all wouldnt be working our socks off to make more money to clear our debts haha.

but your call man. alot of suggestions given, follow whichever you feel comfortable with

back security door need 3.5k? thats abit exp isnt it?

anyone can recommend good place to get alu bi-fold doors with glass?