2nd point don't even tink of getting a car when u holding rank from 3rd SGT to SSG ( unless yr family is well off ) u need at lest 4k p/m to own a car after deducting your daily expanses, family, house & kids if u r married if u don't manage your salary well u will start to borrow b4 pay day & will lead to my 3rd point
3rd point credit cards saw too many cases after u dig a hole u need to dig another hole to fill the 1st hole every year mindef will ask u whether u hit limit ( 2 1/2 x your salary if i m not wrong ) if yes u must declear, i got a good friend, a very good soldier thought he been a good soldier for been honest for declearing indebt. soon he is under investigation by a officer from another unit under the instruction from his S1 , a few mth later he got a letter of warning from mindef with a penalty of no promotion for 3 year even he is soon getting his next promotion
after he got ther letter of warning he is oso been inform by his S1 mindef wouldn't be considering him for the next phase have to leave the army when his 1st contact end ( i left the same time as he due to injuries ) no matter how good his skills are & all the experience he have this is just tip of iceberg even though we r the few who cut out for army life
after so many bad points must have good point 1.if u apply HDB u will get it very quicky 2. if your wife foreigner she will get her pink i/c very quicky of cos after a background check by gov ( my friend's wife got it within 1 yr )