Landlords typically have property insurance, but this doesn't cover your personal belongings. Consider renter's insurance for your possessions and personal liability. Some policies cover temporary accommodation if the unit becomes uninhabitable. Check if your landlord requires you to have insurance and understand what's covered under their policy versus what you need to protect yourself.
Aside from rent, you cover all ongoing costs. Budget for utilities (electricity, water, gas if any) and internet each month. If the unit has air-con, plan for regular servicing. You’re also responsible for minor maintenance like replacing light bulbs or filters. Basically, all household bills and upkeep fall to you.
Place your desk in the living area and keep the bedroom for sleep. Close the bedroom door for mental separation. Good habits around screen time help the space feel restful after hours.
Generally, HDB flats are most affordable, condominiums cost 30-50% more than comparable HDB units, and landed houses are the most expensive. However, prices vary significantly by location - a prime location HDB might cost more than a suburban condo. Factor in additional costs like condo maintenance fees, landed house utilities, and transport expenses when comparing total housing costs.
Condos regularly schedule maintenance for elevators, water systems, and facilities that can disrupt daily routines. Stay informed through building notices, plan alternative routes during elevator maintenance, and keep backup water supplies during plumbing work. Communicate with your landlord about any major disruptions that affect your room's habitability or access.
Void decks host community events, celebrations, and sometimes funeral wakes that can create noise and activity. Lower floor rooms may be more affected by these activities. While these are part of HDB community life, understand the typical schedule and duration of events, and plan accordingly for noise-sensitive activities like sleep or work calls.
Clarify with your housemates or landlord how utilities are divided. Often, all occupants split electricity, water, and internet bills equally. In some cases, if one person uses significantly more (e.g., air-con all day), they might pay a bit more. It’s important to agree on a fair arrangement upfront so everyone knows their share of the monthly bills. Keep bills visible to everyone and record transfers for transparency.
Even with more space, it’s wise to plan storage to avoid clutter. Use the built-in wardrobes in the bedrooms. If one bedroom is spare, add extra shelves or cabinets there. Use any storeroom or utility room for bulky items. Assign each type of item a spot so storage is spread out. And declutter regularly even with more room.