It'd been few years already,  iam a very fickle minded whenever to decide buying a house. I WANT to buy a house because i want it, not saja saja, but Everytime i seriously thought about buying a property (own stay), i put hours hours hours of research and consideration. So many what ifs in my mind,  to the point i gave up tbe idea of buying a house and going debt free route and save as much and enjoy life as much as i can.

The What Ifs

1. I lost my job?
2. My salary got cut?
3. More pandemic coming?
4. if i buy a house can i still afford to do thing i used to do?
5. What if i change job or company relocate me somewhere more farther?
6. What If there's a sudden big increment of non bank commitment,  like kids, etc etc
7. Age is middle 30, what If i hold a little longer,  save money and buy house at 45 year old, then only eligible for 25 years loan. Donno can afford or not
8. Unexpected repair bill?
9. Will iable to save more for retirement?

Above questions are not for you.

At the moment I'm enjoying my life, car loan will finish soon, sometimes i felt too comfortable and boring. Can own a house make life less dull?

Seen and heard many cases that many people were getting fired this year i suddenly become coward to commit. Even a high income like pilots can be layed off.

Should i enjoy my debt free life?

Do you have the fear of buying a house?

It'd been few years already,  iam a very fickle minded whenever to decide buying a house. I WANT to buy a house because i want it, not saja saja, but Everytime i seriously thought about buying a property (own stay), i put hours hours hours of research and consideration. So many what ifs in my mind,  to the point i gave up tbe idea of buying a house and going debt free route and save as much and enjoy life as much as i can.

The What Ifs

1. I lost my job?
2. My salary got cut?
3. More pandemic coming?
4. if i buy a house can i still afford to do thing i used to do?
5. What if i change job or company relocate me somewhere more farther?
6. What If there's a sudden big increment of non bank commitment,  like kids, etc etc
7. Age is middle 30, what If i hold a little longer,  save money and buy house at 45 year old, then only eligible for 25 years loan. Donno can afford or not
8. Unexpected repair bill?
9. Will iable to save more for retirement?

Above questions are not for you.

At the moment I'm enjoying my life, car loan will finish soon, sometimes i felt too comfortable and boring. Can own a house make life less dull?

Seen and heard many cases that many people were getting fired this year i suddenly become coward to commit. Even a high income like pilots can be layed off.

Should i enjoy my debt free life?

Do you have the fear of buying a house?

It'd been few years already,  iam a very fickle minded whenever to decide buying a house. I WANT to buy a house because i want it, not saja saja, but Everytime i seriously thought about buying a property (own stay), i put hours hours hours of research and consideration. So many what ifs in my mind,  to the point i gave up tbe idea of buying a house and going debt free route and save as much and enjoy life as much as i can.

The What Ifs

1. I lost my job?
2. My salary got cut?
3. More pandemic coming?
4. if i buy a house can i still afford to do thing i used to do?
5. What if i change job or company relocate me somewhere more farther?
6. What If there's a sudden big increment of non bank commitment,  like kids, etc etc
7. Age is middle 30, what If i hold a little longer,  save money and buy house at 45 year old, then only eligible for 25 years loan. Donno can afford or not
8. Unexpected repair bill?
9. Will iable to save more for retirement?

Above questions are not for you.

At the moment I'm enjoying my life, car loan will finish soon, sometimes i felt too comfortable and boring. Can own a house make life less dull?

Seen and heard many cases that many people were getting fired this year i suddenly become coward to commit. Even a high income like pilots can be layed off.

Should i enjoy my debt free life?

Do you have the fear of buying a house?

It'd been few years already,  iam a very fickle minded whenever to decide buying a house. I WANT to buy a house because i want it, not saja saja, but Everytime i seriously thought about buying a property (own stay), i put hours hours hours of research and consideration. So many what ifs in my mind,  to the point i gave up tbe idea of buying a house and going debt free route and save as much and enjoy life as much as i can.

The What Ifs

1. I lost my job?
2. My salary got cut?
3. More pandemic coming?
4. if i buy a house can i still afford to do thing i used to do?
5. What if i change job or company relocate me somewhere more farther?
6. What If there's a sudden big increment of non bank commitment,  like kids, etc etc
7. Age is middle 30, what If i hold a little longer,  save money and buy house at 45 year old, then only eligible for 25 years loan. Donno can afford or not
8. Unexpected repair bill?
9. Will iable to save more for retirement?

Above questions are not for you.

At the moment I'm enjoying my life, car loan will finish soon, sometimes i felt too comfortable and boring. Can own a house make life less dull?

Seen and heard many cases that many people were getting fired this year i suddenly become coward to commit. Even a high income like pilots can be layed off.

Should i enjoy my debt free life?

Do you have the fear of buying a house?

It'd been few years already,  iam a very fickle minded whenever to decide buying a house. I WANT to buy a house because i want it, not saja saja, but Everytime i seriously thought about buying a property (own stay), i put hours hours hours of research and consideration. So many what ifs in my mind,  to the point i gave up tbe idea of buying a house and going debt free route and save as much and enjoy life as much as i can.

The What Ifs

1. I lost my job?
2. My salary got cut?
3. More pandemic coming?
4. if i buy a house can i still afford to do thing i used to do?
5. What if i change job or company relocate me somewhere more farther?
6. What If there's a sudden big increment of non bank commitment,  like kids, etc etc
7. Age is middle 30, what If i hold a little longer,  save money and buy house at 45 year old, then only eligible for 25 years loan. Donno can afford or not
8. Unexpected repair bill?
9. Will iable to save more for retirement?

Above questions are not for you.

At the moment I'm enjoying my life, car loan will finish soon, sometimes i felt too comfortable and boring. Can own a house make life less dull?

Seen and heard many cases that many people were getting fired this year i suddenly become coward to commit. Even a high income like pilots can be layed off.

Should i enjoy my debt free life?

Do you have the fear of buying a house?

I had to sell my house at a lost after the business failed early this year. After minus all the fees, made enough to move out.

Now back to renting but away from the city. Cheaper rent. Plus the owner also an easy going person. He said as long don't burn down the place, I can do whatever inside. Paid him 6 month's rent after that.

Now slowly disposing of old items. Already sold 4 cars last month. Kept 2 since no more loan.

Keeping hard cash is my primary goal now. Whatever don't need, sell. Anything modern, sell.

Do I want to buy another house? Answer is no.

At the moment I'm enjoying my life, car loan will finish soon, sometimes i felt too comfortable and boring. Can own a house make life less dull?

I thought you are working in cambodia?

It'd been few years already,  iam a very fickle minded whenever to decide buying a house. I WANT to buy a house because i want it, not saja saja, but Everytime i seriously thought about buying a property (own stay), i put hours hours hours of research and consideration. So many what ifs in my mind,  to the point i gave up tbe idea of buying a house and going debt free route and save as much and enjoy life as much as i can.

The What Ifs

1. I lost my job?
2. My salary got cut?
3. More pandemic coming?
4. if i buy a house can i still afford to do thing i used to do?
5. What if i change job or company relocate me somewhere more farther?
6. What If there's a sudden big increment of non bank commitment,  like kids, etc etc
7. Age is middle 30, what If i hold a little longer,  save money and buy house at 45 year old, then only eligible for 25 years loan. Donno can afford or not
8. Unexpected repair bill?
9. Will iable to save more for retirement?

Above questions are not for you.

At the moment I'm enjoying my life, car loan will finish soon, sometimes i felt too comfortable and boring. Can own a house make life less dull?

Seen and heard many cases that many people were getting fired this year i suddenly become coward to commit. Even a high income like pilots can be layed off.

Should i enjoy my debt free life?

Do you have the fear of buying a house?

Maybe find a hobby? Buying a house just because you feel too comfortable sounds silly.

You need to balance out the risk yourself.
Losing job is real.
So how do you mitigate this?

Assume you have some saving or cash, how do you secure and grow the fund?
As you said economy is not good, your cash in bank will lose its value over time.

Seems like you want to spend more and enjoy.
Why not, if you have a good planning with your income and job.
Remember spending more is basically the same as paying for house loan.

At the end of the day, you still need a place called home.
When you retire, do you have enough money to keep paying rent, assuming you are spending on your happy days now.

What if 30 years later non of your worries came through and you're still living in your rented house

It'd been few years already,  iam a very fickle minded whenever to decide buying a house. I WANT to buy a house because i want it, not saja saja, but Everytime i seriously thought about buying a property (own stay), i put hours hours hours of research and consideration. So many what ifs in my mind,  to the point i gave up tbe idea of buying a house and going debt free route and save as much and enjoy life as much as i can.

The What Ifs

1. I lost my job?
2. My salary got cut?
3. More pandemic coming?
4. if i buy a house can i still afford to do thing i used to do?
5. What if i change job or company relocate me somewhere more farther?
6. What If there's a sudden big increment of non bank commitment,  like kids, etc etc
7. Age is middle 30, what If i hold a little longer,  save money and buy house at 45 year old, then only eligible for 25 years loan. Donno can afford or not
8. Unexpected repair bill?
9. Will iable to save more for retirement?

Above questions are not for you.

At the moment I'm enjoying my life, car loan will finish soon, sometimes i felt too comfortable and boring. Can own a house make life less dull?

Seen and heard many cases that many people were getting fired this year i suddenly become coward to commit. Even a high income like pilots can be layed off.

Should i enjoy my debt free life?

Do you have the fear of buying a house?

Believe me,  this is one of my what if

Another what if is what if i got bad neighbours?

This is the thing, i love travelling and car (repair, replace parts etc)

But both are not possible now due to covid, and err no landed house to work on my car

One of the reason i want a landed house is to learn repair own car. Both above are my passion

This is what we call life, life is never guarantee or certain. Heck you could be even die of heart attack tonight.

So glad I bought my 1st property at age 21, sold then another at 29 year old, sold and just bought my 3rd last year. Total profit from the  1st 2 properties is RM600k.

Oh wow!
Mind giving detail on how much you’re earning and how much the property cost when you purchase it?

I’m 24 hardly 4K earner (not the standard 20k ktard), I’m stuck like ts currently with all the what ifs

Oh wow!
Mind giving detail on how much you’re earning and how much the property cost when you purchase it?

I’m 24 hardly 4K earner (not the standard 20k ktard), I’m stuck like ts currently with all the what ifs

200k condo when I was earning 3k, 420k terrace house when I was earning 8.5k and new house 1.75m with salary confidential 🤐

He is getting 24K lol

Im assuming he bought 1st house was say 20 years ago, earning 3K that time would probably means like now earning 10K.

Cant compare now with last time lor... my parents bought single storey terrace house 40 years ago for 80K iinm, now worth atleast 500K

So that’s basically saying 4K peasant kuli like me just need to stop dreaming of owning a house and rent forever huh?😭

So that’s basically saying 4K peasant kuli like me just need to stop dreaming of owning a house and rent forever huh?😭

He is getting 24K lol

Im assuming he bought 1st house was say 20 years ago, earning 3K that time would probably means like now earning 10K.

Cant compare now with last time lor... my parents bought single storey terrace house 40 years ago for 80K iinm, now worth atleast 500K

It'd been few years already,  iam a very fickle minded whenever to decide buying a house. I WANT to buy a house because i want it, not saja saja, but Everytime i seriously thought about buying a property (own stay), i put hours hours hours of research and consideration. So many what ifs in my mind,  to the point i gave up tbe idea of buying a house and going debt free route and save as much and enjoy life as much as i can.

The What Ifs

1. I lost my job?
2. My salary got cut?
3. More pandemic coming?
4. if i buy a house can i still afford to do thing i used to do?
5. What if i change job or company relocate me somewhere more farther?
6. What If there's a sudden big increment of non bank commitment,  like kids, etc etc
7. Age is middle 30, what If i hold a little longer,  save money and buy house at 45 year old, then only eligible for 25 years loan. Donno can afford or not
8. Unexpected repair bill?
9. Will iable to save more for retirement?

Above questions are not for you.

At the moment I'm enjoying my life, car loan will finish soon, sometimes i felt too comfortable and boring. Can own a house make life less dull?

Seen and heard many cases that many people were getting fired this year i suddenly become coward to commit. Even a high income like pilots can be layed off.

Should i enjoy my debt free life?

Do you have the fear of buying a house?

PRIMA / WIP kan ada ..

Regardless, stil need saving also .. what's the point if you do not save because in the end you will have NOTHING ..

Even I can afford RM1M property, my current house is only RM300k ..

Daripada sibuk2 PRIma / WIP baik bukak bussiness kedai makan ke francais serbenaka ke kedai dobi ke kalau air mineral 500ml rm1.50 kat depan prima/wip. Diorang pun x boleh komplen sebab tu je pilihan je ada

Nak murah? Start you engine pergi la kedai lain. Bayar la duit parking & duit masa.

Untung niaga dapat dari situ beli la rumah kat EcoCity ke desapark ke.
Apa nak gaduh mana rumah mana rumah mahal

Convid kali ni not many can survive, you should even syukur if got a job TBH ..

Anyway diff ppl diff thinking, being a boss of your own is good if good planning but something good planning also fail ..

Then can say goodbye for your home .. I lost my job also I don't need to worry for because my home payment just below 20% of my salary ..

It'd been few years already,  iam a very fickle minded whenever to decide buying a house. I WANT to buy a house because i want it, not saja saja, but Everytime i seriously thought about buying a property (own stay), i put hours hours hours of research and consideration. So many what ifs in my mind,  to the point i gave up tbe idea of buying a house and going debt free route and save as much and enjoy life as much as i can.

The What Ifs

1. I lost my job?
2. My salary got cut?
3. More pandemic coming?
4. if i buy a house can i still afford to do thing i used to do?
5. What if i change job or company relocate me somewhere more farther?
6. What If there's a sudden big increment of non bank commitment,  like kids, etc etc
7. Age is middle 30, what If i hold a little longer,  save money and buy house at 45 year old, then only eligible for 25 years loan. Donno can afford or not
8. Unexpected repair bill?
9. Will iable to save more for retirement?

Above questions are not for you.

At the moment I'm enjoying my life, car loan will finish soon, sometimes i felt too comfortable and boring. Can own a house make life less dull?

Seen and heard many cases that many people were getting fired this year i suddenly become coward to commit. Even a high income like pilots can be layed off.

Should i enjoy my debt free life?

Do you have the fear of buying a house?

Property is good if you got it at the right time, right place, right people.

Bought my 1st unit in SG straight out of uni with the money parents initially prepared for my tuition fee. That was the pre property boom period. Installment was covered by rental and CPF contribution, got extra some more. 2nd unit joint name with hubby, shorter loan period and we drop most of the income into the installment, everyday bring lunch box to work, coffee from pantry and dinner at home. Clear the loan before retiring to a stay-home mum. Now doing what I like without worrying on financial issue.

We got some units in KL but the rental there really sad. SG better yield. Tenants are more behaved haha.

Buy within means though, many people got into trouble coz over commit.

Convid kali ni not many can survive, you should even syukur if got a job TBH ..

Anyway diff ppl diff thinking, being a boss of your own is good if good planning but something good planning also fail ..

Then can say goodbye for your home .. I lost my job also I don't need to worry for because my home payment just below 20% of my salary ..

No need big house la TS

the bigger it is, the more issues will pop up, and subsequently, headache and moolah gone

seriously, just get a nice small abode, at a price well within your comfortable range, and just live out with it

headache-free life >>>>> all

It'd been few years already,  iam a very fickle minded whenever to decide buying a house. I WANT to buy a house because i want it, not saja saja, but Everytime i seriously thought about buying a property (own stay), i put hours hours hours of research and consideration. So many what ifs in my mind,  to the point i gave up tbe idea of buying a house and going debt free route and save as much and enjoy life as much as i can.

The What Ifs

1. I lost my job?
2. My salary got cut?
3. More pandemic coming?
4. if i buy a house can i still afford to do thing i used to do?
5. What if i change job or company relocate me somewhere more farther?
6. What If there's a sudden big increment of non bank commitment,  like kids, etc etc
7. Age is middle 30, what If i hold a little longer,  save money and buy house at 45 year old, then only eligible for 25 years loan. Donno can afford or not
8. Unexpected repair bill?
9. Will iable to save more for retirement?

Above questions are not for you.

At the moment I'm enjoying my life, car loan will finish soon, sometimes i felt too comfortable and boring. Can own a house make life less dull?

Seen and heard many cases that many people were getting fired this year i suddenly become coward to commit. Even a high income like pilots can be layed off.

Should i enjoy my debt free life?

Do you have the fear of buying a house?

I agree geh

Studio > All

Studio damn expensive weyh..
If you were to calculate price/area

Why not use the same amount of money to get a condo?

It'd been few years already,  iam a very fickle minded whenever to decide buying a house. I WANT to buy a house because i want it, not saja saja, but Everytime i seriously thought about buying a property (own stay), i put hours hours hours of research and consideration. So many what ifs in my mind,  to the point i gave up tbe idea of buying a house and going debt free route and save as much and enjoy life as much as i can.

The What Ifs

1. I lost my job?
2. My salary got cut?
3. More pandemic coming?
4. if i buy a house can i still afford to do thing i used to do?
5. What if i change job or company relocate me somewhere more farther?
6. What If there's a sudden big increment of non bank commitment,  like kids, etc etc
7. Age is middle 30, what If i hold a little longer,  save money and buy house at 45 year old, then only eligible for 25 years loan. Donno can afford or not
8. Unexpected repair bill?
9. Will iable to save more for retirement?

Above questions are not for you.

At the moment I'm enjoying my life, car loan will finish soon, sometimes i felt too comfortable and boring. Can own a house make life less dull?

Seen and heard many cases that many people were getting fired this year i suddenly become coward to commit. Even a high income like pilots can be layed off.

Should i enjoy my debt free life?

Do you have the fear of buying a house?

It'd been few years already,  iam a very fickle minded whenever to decide buying a house. I WANT to buy a house because i want it, not saja saja, but Everytime i seriously thought about buying a property (own stay), i put hours hours hours of research and consideration. So many what ifs in my mind,  to the point i gave up tbe idea of buying a house and going debt free route and save as much and enjoy life as much as i can.

The What Ifs

1. I lost my job? eat grass
2. My salary got cut? eat grass
3. More pandemic coming? eat grass
4. if i buy a house can i still afford to do thing i used to do? no
5. What if i change job or company relocate me somewhere more farther? buy new house
6. What If there's a sudden big increment of non bank commitment,  like kids, etc etc eat grass
7. Age is middle 30, what If i hold a little longer,  save money and buy house at 45 year old, then only eligible for 25 years loan. Donno can afford or not whats the point ? might as well save money for 30years then buy new house at age 60 right ?
8. Unexpected repair bill? eat grass
9. Will iable to save more for retirement? no

Above questions are not for you.

At the moment I'm enjoying my life, car loan will finish soon, sometimes i felt too comfortable and boring. Can own a house make life less dull? commitment and commitment free is heaven and hell different

Seen and heard many cases that many people were getting fired this year i suddenly become coward to commit. Even a high income like pilots can be layed off.dont commit then

Should i enjoy my debt free life? why not? live free then die for nothing, does that mean anything to you?

Do you have the fear of buying a house?

If i want find house for stay i will find best one.
Once you bought duit mengalir mcm air.

Who don't what to get the "best" one .. The problem is : Can you sustain ?

I choose not the best one .. rather something decent ..

Besides, family also got inherit some properties, will continue buy more later in time ..

Let me share my fair share of property fumbles:

1- I applied for Bandar Utama house, waited 2 years, then they offered me this 2 1/2 storey house for just 530k. I passed because I only had 3 years work exp at that time, with salary 3k.

2- I saw one condo being sold for 250k, was persuaded to buy 2 lots, but decided not to. I only bought one, and furnished it, rented it out for 5k. Then it dawned on me, why the heck I didn't buy 2 units ? I heard one crazy lady bought 5 units and rented them out. Shucks I was so stupid, years later, the condo is worth 750k and they built the MRT right in front of it.

3- Another condo was offered at 500k. I was contemplating to buy or not. Then shucks I didn't. but the value went sky high to 1 mil.

It'd been few years already,  iam a very fickle minded whenever to decide buying a house. I WANT to buy a house because i want it, not saja saja, but Everytime i seriously thought about buying a property (own stay), i put hours hours hours of research and consideration. So many what ifs in my mind,  to the point i gave up tbe idea of buying a house and going debt free route and save as much and enjoy life as much as i can.

The What Ifs

1. I lost my job?
2. My salary got cut?
3. More pandemic coming?
4. if i buy a house can i still afford to do thing i used to do?
5. What if i change job or company relocate me somewhere more farther?
6. What If there's a sudden big increment of non bank commitment,  like kids, etc etc
7. Age is middle 30, what If i hold a little longer,  save money and buy house at 45 year old, then only eligible for 25 years loan. Donno can afford or not
8. Unexpected repair bill?
9. Will iable to save more for retirement?

Above questions are not for you.

At the moment I'm enjoying my life, car loan will finish soon, sometimes i felt too comfortable and boring. Can own a house make life less dull?

Seen and heard many cases that many people were getting fired this year i suddenly become coward to commit. Even a high income like pilots can be layed off.

Should i enjoy my debt free life?

Do you have the fear of buying a house?

Let me just park m question in TS thread here lol;

Anyone have any experiences with Studio on long term basis?
As in after you got a family and children.

Is studio good for long term?

which year was this? BU landed 530k dayummm

well cant blame the hesitance of first time home buyer in decision making, nowadays full of property bubble theory

Already own 2 landed houses now. Still to think get 3rd one.

Let me just park m question in TS thread here lol;

Anyone have any experiences with Studio on long term basis?
As in after you got a family and children.

Is studio good for long term?

I am renting a studio. 2 years. But that's it. Really small even for just 2 pax. Too many stuff actually filling up the spaces. Need to learn being minimalist after this lol

So if u got a child, don't get studio. Get normal house. At least 800-900sqft (2 kids max)

Good to know! Thank god I'm a minimalist (another word for cheapskater).

Any comment on cooking in a studio apartment? Does your bed reeks of yesterday's food or any oil smell?

Good to know! Thank god I'm a minimalist (another word for cheapskater).

Any comment on cooking in a studio apartment? Does your bed reeks of yesterday's food or any oil smell?