Hi smiley, I understand what you going thru. I just manage to get a HDB flat by God's grace. Renovation is also tough. Thank God I have got a contract who is very experience and with reasonable price. Let me know if you need his contact.
I also have been shifting here and there almost every 1 year....very tired shifting. Though I stayed with my parents most time, but still its not my own
Do it step by step. I maybe can help you by telling you where to find certain material. I used to work in interior design industry
Meanwhile, take care of your health. God Bless!