why dont you upgrade to a condo? enjoy life a bit. give your kids something to cheer about. we used to live in a hdb thinking that a condo is nothing to shout about. we were wrong. a condo residence brings with it respect from your peers and relatives, but most important of all my kids dont go out so often. they rather have fun in the pool or playing tennis. we are living our life to the fullest. i'm sure you can afford a condo, trust me, as long as you dont look at the expensive locations. there are many condos in woodlands and yishun for instance, which are very much affordable.