Sotto,

I am sharing ownership with my kid, and that gets me some housing grants.

The only thing that I can do now is to wait out the market and then swop to a cheaper and more surburban flat in a few years' time. Kid's commute to school was what made me decide to bite the bullet and go for the new flat.

And save. Boy, I really need to be more disciplined and aggressive in my savings and investment.


You can call me Dory/ Grl.

As a wise fish once sang,"Just keep swimming!"

It's no use to go back to yesterday because I was a different person then.