In my mid 30s, no gf, no friends, stuck in hdb with mum
 

Last time still got occasionally go geylang find $50 prostitute now geylang close liao just stay at home after work, surf forums and watch tv.

Sometimes go to fave see some cheap massage or facial deals than go for it.

Got no money to buy resale hdb. Trying to bid to get 2 room bto. In the meantime, i am stuck staying with my mother who is a very mean person

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

TS, you just need to buck up and strive to get more Vit M...

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

TS, i think you super bored man bro..go and do some courses to upgrade yourself la..

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

Hi TS big bro,

I'm not eligible to buy house yet. And i'm currently out of job. You still have job. You can take the time to study diploma or degree and upgrade yourself. If you already have degree, then find other job if your current job pay is not good.

I also single. Just keep trying online or what not matchmaking service or dating apps? I have no clue either.

Singapore market too small you can go out of Singapore to find other girls.

Go overseas to work since you single, meet more girls out there while working. You can thank me later once you tie the knot ;)

In mean time when you are upgrading you can continue go find freelance or massage.

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

sorry to hear tt.. wow hope mum can intro some girls to you

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

Mid 30 already, if been working after NS , should have quite a huge amt inside ur OA ler.
Choose a old 3room resale hdb around 200K+, why cannot afford?

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

Can afford 200k+. But no job stability scare pay loan halfway become jobless got no money to pay

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

Bro, use cpf what...why cannot?

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

Go for 3 rm resale, you can rent out 1 room to help pay off. Worst case lock 1 room and living room also can rent out. No need to wait until you have full sum before you buy. Some more unless you high pay, you get to enjoy HDB loan. Not many countries where you can become a home owner so easily. Better play your cards well.

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

Take hdb loan lar....even if out of job for a while, dont think hdb will force take back ur house. U can even rent out 1 room to chiobu, who knows the chio bu become ur gf.

After MOP if really out of job, can move back to ur mother house and rent out whole unit to generate cash.

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

Too risky..

Might not be able to find tenants to rent etc..

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

If u worry so much then u can only wait till ur 50s, when ur OA enough to pay the whole house without taking loan. By then i think you can find alot of old 3rm resale flat lower than 200K

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

I think just need to wait till i got a stable job..

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

my advice....

You can find a girlfriend... but don't get married until the women's charter is being revised to equalise men and women or abolished.

Or else you'll be stuck with a "contract". It's better to stuck with your mum.

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

Yup the whole marriage thing is very scary in Singapore for guys.

If for any small reason she wants to divorce your next half of your life on earth will be broke and miserable, unless she earns more then you.
Broke nvm, no money find other girls.:D

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

ok and what are you doing anything to get out of this situation? Like what funboi said what do you want in (your) life?

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

There is no such thing as a stable job nowadays unless you midwife or in the funeral business. Even funeral business also somewhat affected by Covid. Have to make sure you have useful skills or knowledge that is complementary to the times. Pilot was a stable job with high pay just 7-8 mths back, look what happened? You have to ask yourself why don’t you have friends. If you don’t even have friends how to get a girlfriend in the first place?

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

Have iron rice bowl , join PAP , even cock up screw up also stay in the job as MPs, if kick out by lost vormtes they have thos GLC or kangtao to put in another post n still hv a job.:D

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

not so straightforward.. i do share TS sentiments. HDB prices r overinflated and one must reli calculate zhun zhun in event if lose job, how not to be disrupted in repayments.

Also, with the sky high cpf min sum needed to set aside at 55, once u whack a hdb, u have only 5k to withdraw at 55.

And start drawing down half of the Full retirement sum only at 65 (if u pledge your hdb).

Unless one is a super high flyer, but also need to ensure fly high all the way.

Think covid when many high flying jobs went down under.

TS reli need to think carefully before committing.

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

everybody is thinking this strategy.
Saying is very easy.

where to find s many tenants to rent from u when economy is down?
nobody knows whats the climate like in the future.
and does TS reli want to be living with strangers forever?
its simplistic solution but not realistic.
the stress of different lifestyle habits with tenants can be overbearing.

imho TS better make sure he can service the loan without the need for renting out rooms before committing.

Only in worst case unexpected scenarios then adopt this approach.

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

If personally I have not done it I wouldn’t have recommended it. Keep having a self limiting mindset where “This cannot, that cannot” and it will doom you to work within fake limits. Never have I any issues in finding tenants and this has been consistent for the past decade. TS is single if he has been through NS he has lived with others. If you think you can rely on CPF for retirement then too bad lah. Depend on yourself. Real cash on hand is King. Do you know how many foreigners work in Sg? Its millions of them. Now with Covid even more unlikely they travel back n forth.

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

CPF can indeed be relied on for retirement if one does not think it cant be.

dont get a flat unless reli necessary.

snowball ur cpf by transferring as much to SA as possible.

By 55, will be able to get maximum lump sum after setting aside min sum.

If TS work hard and ensure FRS is met, then after 65 if still single and healthy, every mth draw down figure and sufficient to retire on.

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

Where do u go to find tenants?

You post in facebook for free?

Did you have to renovate your house until swee swee to make it easier to get tenants?

Do you stay together with your tenants?

You are a guy and you rent only to guys?

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

No matter how mean she is, she is still your mother.

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

every household has its own unique, difficult and at times unsolvable issues.

so empathize where TS is coming from.

Hope things goes all well.

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

That is like saying no matter how abusive or mean your wife is dont divorce her as she is still your wife.... Sounds draconic

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

Mid-30: cannot change. Live with it.
No gf: go out and look for one. Don’t set too high expectation. If you constriction worker, you find a maid.
No friends: go out and make some friends, go take up some sports, sweat it out, go walk walk with friends. Who knows one of your friends might intro you a gf or one might actually be your gf. People who is a loner, brought it upon themselves and the only way out is go out there and make some.
Stuck in HDB: well, thank god you are staying in a HDB. Why your mum so mean? Are you mean to her? Are you being a good son? When is the last time you talked to her or bring her to eat something she likes? When the last time you celebrated her birthday?

I can see you might have some personality problems yourself. The only way to change all this is to first change yourself. Or try to change.

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

There are many sites like Gumtree, or Locanto that you can use. Take nice pictures make it look bright and airy.

My renovation cost was very low I picked one which was renovated not too long ago just tweaked a bit with painting and minor works. Go with neutral colors with a bit of warmth.

I stayed with my tenants before. Best to rent to guys, trust me it will be less of a hassle.

Renting is not free money but a great source of side income, you won’t get perfect tenants if you are a lousy landlord.

Just abide by the principle “ Treat others as how you would like to be treated”

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

Good advice!

It's a skill to be a good landlord and u pick up handyman skills like painting, own repairs, cleaning the house and washing your own clothes and cooking skills. It's all about patience and your attitudes!

Learn to be independent, show your mum you can stay alone and you might earn her respect and improve mother-son relationships!

If you are willing to pay commission, there will always be property agents around to help you rent out your rooms! So no worries about unable to rent out rooms...

Talk to HDB officer or Property agent for your budgeting your next flat purchase. I think you have more than enough to buy a 3-room flat with all the government grants like proximity grants, poor man's grants can be up to $50K depending your income :)

Re: In my mid 30s, no gf, no friends, stuck in hdb with mum
 

There are much much more foreigners (Malaysian/Indian/China) working in Singapore than what U can imagine:eek: If U r not choosy on race:rolleyes:.. Most house owners don't want tenant from India/China. As long as your house is clean with basic furnishings, U shouldn't have any problem renting out a room or 2. If still cannot get tenant, can lower rent slightly than market rate...But pls don't spoil market:(. Take HDB loan...If cannot pay still can negotiate minimum payment.
Now U r single, no wife no children no debt to settle, so no need to worry so much. If you still have this 前怕狼，后怕虎 mindset, U cannot advance much in life:o