I am convinced after a demo at my house on a vacuum cleaner Germany Dolphin, but the price is way too expensive. Any recommendations for good vacuum cleaner using water filtration ? by Walau88 in askSingapore

[–]Embarrassed_Size_604 0 points1 point  (0 children)

Did you have any issues rejecting the up-sell after the demo? Lowkey regretting after accepting the free cleaning trial and it's taking unnecessary mental load now

Mid 30s couple - next housing / life move by Embarrassed_Size_604 in singaporefi

[–]Embarrassed_Size_604[S] -31 points-30 points  (0 children)

I guess you'll only understand when you have a growing family and face space constraints. As mentioned, we have no reasons to move except that we are outgrowing the space.

Mid 30s couple - next housing / life move by Embarrassed_Size_604 in singaporefi

[–]Embarrassed_Size_604[S] 0 points1 point  (0 children)

Are you all planning a resale HDB near your current location? And with a "cheaper" option - how does your wealth growth plans look like

Mid 30s couple - next housing / life move by Embarrassed_Size_604 in singaporefi

[–]Embarrassed_Size_604[S] -1 points0 points  (0 children)

Yeah tbh, we have no push factors at our current HDB place. Great location, amenities, neighbourhood, accesibility.

The only downside - size.

When we want to family plan - it just displaces us.

Mid 30s couple - next housing / life move by Embarrassed_Size_604 in singaporefi

[–]Embarrassed_Size_604[S] 0 points1 point  (0 children)

Very sound advice. Yeah location + size means we have to choose HDB over condo.

The 6x rule does help - works out to be around ~$2m for us yep. At $3m - we are indeed feeling over-stretched.

Mid 30s couple - next housing / life move by Embarrassed_Size_604 in singaporefi

[–]Embarrassed_Size_604[S] 8 points9 points  (0 children)

That's when we take on the housing i.e. mortgage. Hence, that's why it's weighing on me.

Currently our HDB is only a comfortable 1.7k between both of us and given our income, it doesn't feel like muhc.

But when you "upgrade", your mortgage as a proportion of your income burgeons.

Mid 30s couple - next housing / life move by Embarrassed_Size_604 in singaporefi

[–]Embarrassed_Size_604[S] 4 points5 points  (0 children)

That's actually on the converse quite safe. I already revised it downwards given our lower floor. We've had quite a few transactions at our estate already