spend what you have
A couple wrote to the Straits Times forum pleading with HDB to allow them to buy a 3 room flat instead of 4 room flats because their combined income is more than $3000. This $3000 limit qualification to buy 3 room flat is another one of those outdated policies of anti thrift and forcing people to spend more against their wishes. Why must people be forced to eat sharksfin if they do not wish to? Many policies are in this genre. If you have some money, you must spend what you have. And when the time for retirement comes and you have no money left, it is your own funeral.