Is it really so expensive in SG that you can barely survive with 3k SGD? What is the cost really?

Per month 3k SGD vs 5k MYR, assume net for easy comparison. Just look at the minimum requirements for survival:
1. Room rental: 500 SGD vs 500 MYR
2. Transport: 100 SGD (train/bus) vs 1000 MYR (car, toll, petrol, maintenance, parking, insurance)
3. Food: 450 SGD vs 900 MYR
4. Phone: 30 SGD vs 50 MYR

Balance: 1920 SGD vs 2550 MYR for your shopping, entertainment, support parents, whatever else... pandai-pandai manage lah. I think both sides can save 1k SGD/ 1k MYR with some smart budgeting.

So if you are single, SG is an easy choice. Personally I didn't choose SG because already have family and when you have family you can't simply budget like this. All the extra costs in SG will go up a lot compared to Malaysia with family.

Haha, do you really read my comments?
When you earn 10k why you don’t buy your own hdb?
You don’t even know the cpf contribution cap at 6k and you can use 70% of your cpf contribution for house repayment.
For 10k, you will bring back about 8.5k after the cpf and income tax
I stay in hdb, price about 600k when I buy. When amount is huge 1~2% will make few hundred difference
I only pay extra 1k, and others 1k+ paid by using cpf

For kid
As I said during preschool SG is expensive, monthly paid for full day care from Sgd700~1.2k, if you already go for full day why you need nanny? Nanny price is 800~1k+, usually SG ppl will go for half day and another half take care by maid.
Maid price here is cheap, 400~700, levy is 60 for working mother, 260 for non working mother, agent fees 1k+

When go to primary school, you save sgd700

I think MY childcare is 1k+ and same for nanny

For car, how much you spend in MY will be about the same in SG, just that car is opt in SG, some will take grab which will be cheaper option compare to own a car, hdb parking is 110sgd, working place parking is depending, from 100 to few hundreds

My lifestyle would be, Friday I will hang out with my frnd at bar, Saturday and Sunday will bring my family to park/mall/movie/activity by gov or sometime visit jb/kl or Batam

Before I come SG, I used to stay in kl for 10 years, kl got less things to do.

Don’t just listen to 1 side of story, earning sgd3k vs sgd10k lifestyle is completely different, don’t even say about those who earn less than sgd3k, which travel between jb/SG

Agree with you

People saja against SG sebab butthurt currency x3
Yang pergi sana hidup syiok saja kecuali those who have privilege in malaysia

Term and condition, yes.
You buying a heavily subsidy house, sure you need to take up the t&c

Btw, you can own more than 1 property even you have a hdb, but no apply to pr
But I know some pr got second property in MY by appeal to HDB board

lol nice comparison

also, if single, what kind of fat fuck eat rm900 a month? I exclusively eat outside every day for 28 days also barely reach rm500

This post has been edited by amir.asyraf: Nov 27 2019, 09:23 PM

What made u come back then

PR where can buy heavily subsidized flat? You can only buy resale flat, not new.

Iirc, for PR you need to down at least 5% with cash.

OK la, let me breakdown for u. No need to argue here

3k SGD, consider a person not pr so no 5 15 or 20% cpf deduction.

Rental depends on location n how yim jim a person, say avg 550 with aircon
Telco, circle life sgd 20, 20gb, 100mins call, unlimited incoming
Makan, actually if normal working days zapfan 3.5, drinks 1.5. Sgd 5 permeal, 15 perday, 450 permonth
Transport sgd10 per week mrt, or better stay near working area, walk or bus can reach. Bus avg 1.5 per trip

Rental 550, makan 450, Telco 20, mrt 40 total 1060 permonth.
3k, u still hav 2k to save. Its doable.
Now, if u want to shop, enjoy, eat buffet once per month, say 500. Buffet atas one is about sgd 100, U still have 1.5k saving. Rm4500 saving.

Anymore want to know?

Simple explanation :
Both lease hold
But one is from gov one is from developer
Gov one can take back ur house anytime if they think u break the lease agreement, the other one they can only do so after 99 yrs by the land owner (gov)

you'd be in for a surprise. they suck up more to ang mohs and worship 5Cs.

Lol
SINGD3K
How to survive

They are kinda doing it illegally and it's not that simple a process

Also you are not buying a house it seems you don't really understand how hdbs work

You are buying the rights to stay in the house

This analysis is only good for people who actually plan to return.

Most who go have a target of permanent settlement in Sg.

Wot....can you cite some source please? I don’t believe it is against Singaporean law to own second property after buying hdb as PR. Lol sounds absurd

From what I know( good friends with a property agent) to own a second property as PR just means you have to pay a very high one-time tax (7-10% of property value iirc) and high annual property tax thereafter.

Bro, knw u r very proud to stay in sg , but not sure why u so excited to promote sg to malaysian ?

Wanna make sg more crowded or pure showing off ur good life

Is that necessary ? U dont know how crowded aldy sg is meh

Your EPF akaun 2 can help lessen the burden for the first few years, during that time make sure you get increment and promoted

Not living there but visit

Food ok


Sgd 12.50

Sgd 10.50

This post has been edited by LowKeras: Nov 28 2019, 08:00 AM

There’s so much wrong info and mistaken assumptions going on that it isn’t funny and can be quite misleading to the TS.

I’ve been a PR in Singapore for close to 25-30 years.

I came down for a S$1,700 salary. As a Q pass holder (equivalent to an EP now). No need to pay CPF. I worked regular 12 to 18 hour shifts, sometimes 24 hours. I took MRT and buses. I used a pager for 8 years. I lived in a rented room at Clementi. And ate either at the work canteen, or at hawker centres.

I still had money left over to save regularly.

Nearly 30 years on, I now work 6 hours a day, 5 days a week and 3 hours for the other day. I don’t work on Sundays and public holidays anymore. I have at least 60 days of leave a year, not counting the weekends. I’m now a PR, which means I pay CPF. You can read HERE if you want to know why I stayed on in Singapore for so long.

3kk! is correct in saying that you cannot buy private property as a PR if you already have a resale HDB flat. That privilege is reserved for Singaporeans only. You CAN buy commercial properties though. I know this for a fact because my wife had to become Singaporean so we could continue to live in our HDB while we made purchases of residential and commercial properties in Singapore. We eventually sold off our HDB but I’ve remained a PR while she is now Singaporean.

If TS is young (like I once was), you should come down to give it a try. Never try, never know. If you like it, you stay and help share your version of the facts as you perceive them to be (like what I’m doing here).

If you don’t like it, you go - and you can share the reasons why you left.

Just remember this: Singapore has no mercy for the weak, the mediocre, or those with a tongkat mentality. If you can’t perform, they’ll replace you with someone that can, regardless whether you’re Singaporean or not, what more if you’re just a foreign worker. This is now meritocracy works. Like I said before, it’s a blessing for those who can work hard and have genuine talent. It is a curse for those who are lazy and have a tongkat mentality. The former group will thrive and prosper. The latter group will end up disillusioned and be a bunch sour grapes and spread half-truths and outright fabrications about Singapore.

Different strokes for different folks, different grass for different cows, your mileage may vary.

This post has been edited by hksgmy: Nov 28 2019, 08:41 AM