A 110 square metre 5-room flat in (so called ulu) Punggol is a place I call home. Time really flies and in the blink of an eye, I realised that I have slept in this North-East corner of Singapore for the best part of the past 1,000 days. I still recall the days when I yearned for my own humble abode and yes, 3 years down the road, I am still immensely grateful of this opportunity. The Mortgage Even at the expense of going into debt for the best part of 30 years. The BTO flat costs $340,000 and after wiping out our CPF OA accounts the moment we got our hands on the keys, we signed a contract agreeing to service a mortgage of around $255,000 for 30 years. 3 years on, the needle has hardly moved. The balance stands at $238,000. We have probably paid around $36,000 but the outstanding debt ......