Self discipline, in Singapore, the biggest single purchase we
have is HDB flat and car. Do study the loan structure b4 you
commit, and also the hidden cost involve that you need to know.
These are long term commitment which drain the most of your income,
and you need to do yr homework b4 commit. I don't see them as an
investment.
Credit card, try to control the usage and understand the interest
rate as how they charge.
It's a matter of getting use to the life style, if you think you
can live without it then don't commit. If you hear ppl say you are
stingy then just let them be, end of the day it is yr money and you
are accounted for and not them.
4D is the biggest "investment" with minimum return, unless your
strike rate is very high which can cover yr cost.
