I'm seldom stressed about my financial situation because I don't really spend a lot and I save a major portion of my income. However, recently I've been trying to think out of my financial situation. Without giving specifics, I think I might have spent too heavily on both the COV of my resale and the renovation part. The COV of the resale cost me 40k and I don't even know what I'm paying for. At least for the renovation, I can see something tangible. COV? It's just an excess value above whatever valuation they come up with. It's something that I can do without. But this is Singapore - to get a flat fast in a matured estate, that is the price to pay. The renovation bit is finally closed. Works out to be around 77k. Wah, jaws dropped... The bad thing about getting resale is that the condition of ......