Small Change

Path to dream house starts with a spreadsheet

Assess financial projections like salaries, loans and cash flow before deciding the way forward


The dust had barely settled after my wedding when my husband presented me with a "romantic" gift - a giant Excel spreadsheet.

The document summed up our key financial projections - salaries, loan repayments, monthly cash flow and Central Provident Fund (CPF) interest earned.

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A version of this article appeared in the print edition of The Sunday Times on November 03, 2019, with the headline 'Path to dream house starts with a spreadsheet'. Print Edition | Subscribe