Reader:

I am currently 23years old & married. My husband and I purchased a resale flat last year.

Back then we did not read nor have knowledge about financial planning. 

We purchased what we want and our desired location…

Our resale flat is actually quite old. I think is 40 years old this year…

Many people called us stupid for buying resale flat instead of BTO ones. 

And since we didn’t have proper financial planning, we exhausted our entire CPF to pay for the flat.


So, our CPF is 0 now. 


We also took a loan of 25 years…

I am beginning to learn how to invest and starting small. May I ask how can I actually do better in planning my finance? 

Thank you for taking your time to read my email. Hope to see your reply…