Getting into deeper n deeper hole.
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Hi, I'm single mom of 4 children. My children had their SC status last year. I had divorced n brought my 4 children to Singapore. First two years everything goes well, although their foreigner school fees costs me a bomb.
After my son diagnosed with kidney problem, everything goes wrong. Low income with sudden High cost of operation fees n medical fees leads me to a terrible financial problems. Outstanding rentals, SP, COURTS installments, SIngtel n daily usage making me stress.
Couldn't get an loan from bank or relatives. So had no choice but turned to loan sharks. Ended up owning money to 5 sets of illegal loans n 2 license loan with total of about $5000.
Wondering how am I gonna to end all these. With the take home pay of ABT $1,200, can't do much.
Honestly I 'm not a gambler, but why will I ended up in this stages?
badly wanted to stop all these rubbish, but just couldn't step out. Not enough to pay 1, so had to borrow from 2 to pay. Then after a week, not enough to pay 1,2 so need to get 3 to pay........
It continues, n continues till my children dun even have money to go school, luckily they have FAS meal coupouns of $2 daily in school.They r eating Maggie mee or rice with eggs. N I'm eating bread or biscuits.
Pls anyone able to tell me wat should I do to end? I'm really stress n pressure n regretful. But I can't step out. I need to borrow n borrow n borrow non stop.
Pls, anyone able to help me? Telling me wat should I do? Need to pay ABT $895 weekly?
Sometimes reali stress till wanna to end my life, I'm so sorry towards my children. Tot of getting the out of a violence family, but in the end getting them into this state.
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You did the right thing leaving an abusive marriage behind, your children no longer needs to suffer the sight of their mother being beaten up by their own father.
The worst is now behind you.
Are you a Singaporean ? Why are your children in a school for foreigner ?
Money is just money, no need to end your life over it.
Do you have parents or relatives here who can help you ?
Financial woes can be fixed.. takes time to sort it out.
Cut all unnecessary costs.. keep expenses to minimum.
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jojo, reading this its money problem. single and too many kids to handle, plus sg living standard very high - a not very wise mother lookin to loan sharks for money problem as solution.
TS, ples elet us knwo whichcountry you from and originally, why you divorce andleft with 4 kids, you sgreans go overseas or foreigner cum sg?
then we can help and offersolution better.
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Seriously, many of your situtation will come out to "work" if u still have the figure and look.
No offences please, just speak my mind because i think seeing the MP can't help much but maybe refer u to this and that.
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as long as TS dont provide more details about her background, how she ended up like this difficult to help.
selling the body and soul is not always a solution, not always the only.
yes hardship and poor. but many times is due to poor or improper management of funds.
see many of our low income families, still surviving with meagre income.
yes they do get lots of financial and freebies ad, that's cos tof their nationality.
that's why need to know S background and citizneship stats.
if its foreugner, i will only offer the best advise to leave and go back to where they cum from. many of them dream to make it big here is sg, earn lots of money. but that's all n the past now.
sg os transforming into a differnt economy and a differnt market, and we attract with more niche advance and enhanced package instead of only cheap abundant labor. that type of market only now within cheenaland itself, nomore elsewhere in sg.
if fireuigners should wakeup and go back to where an actual better life awaits.
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http://app.msf.gov.sg/Assistance.aspx
ComCare provides social assistance for low-income individuals and families. ComCare assistance is available at the Community Development Councils (CDCs).
ComCare programmes are funded by the Community Care Endowment Fund (ComCare Fund). The ComCare Fund was established in 2005 and it provides sustainable funding for assistance programmes for low-income Singaporeans. The ComCare Fund stands at $1.5 billion today.http://app.msf.gov.sg/Comcare.aspx
Principles of ComCare
ComCare is guided by the following key principles:- ComCare seeks to inspire responsible individuals.
ComCare supports persons and families who need temporary help as they work towards self-reliance. - ComCare supports building strong and stable families.
ComCare focuses on building and enabling the family to be the pillar of support for its members. - ComCare aims to be client-centric and co-ordinated.
ComCare recognises every individual and family is unique and ensures assistance is delivered in a coordinated manner and meets their needs.
- The Government is part of the caring community.
Through ComCare, the Government partners community groups and organisations such as Community Development Councils, Grassroots Organisations, Voluntary Welfare Organisations and Self-Help Groups to provide help.
- ComCare seeks to inspire responsible individuals.
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See your Member of Parliament (MP) to write appeal letter?
www.parliament.gov.sg/whos-my-mp
Meet-the-People Sessions (MPS) is the name of a feedback/redress system developed in Singapore for citizens to meet their member of parliament. The MPS are usually held once a week. Many citizens see the MPS as an opportunity to resolve problems that they are having with the bureaucracy.The MP will write a petition letter to the relevant ministry, statutory board or any concerned parties to appeal on behalf of the resident. The letters are accorded a higher priority by the Civil Service as they come from elected representatives.
Cases deal with a wide range of problems. These include, but are not limited to, family financial problems (e.g. health-cost issues, jobs, financial assistance), CPF matters, various licenses, HDB related problems (e.g. subsidized rental housing, obtaining a subsidized HDB flat), immigration issues, and appeals for school admissions and school fee subsidy.
Most sessions last past midnight to help residents effectively due to waiting time.The process of meeting the MP or Ministers varies from constituency to constituency, but they follow a general pattern:
1) Registration and take queue number
2) Constituent meets the petition writer who pens the letter (either hand-written or via PC) on behalf of the MP
3) Wait and queue to meet the MP
4) Meet the MP in a separate room, constituent informs the MP of his/her problems one-to-one.
5) MP assures the constituent that they will look into the case and send the letter. For urgent cases, the letter will be typed out, sign by the MP and hands it to the constituent immediately. For normal cases, the letter will be vetted through by the MP’s or Minister’s Personal Secretary and sent out within three working days.
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www.rotarysingaporefoundation.org
Voluntary Welfare Organisations (VWO) in Singapore.
These organisations are members of the National Council of Social Service in Singapore.
http://en.wikipedia.org/wiki/List_of_voluntary_welfare_organisations_in_Singapore
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National Crime Prevention Council (NCPC)X Ah Long Hotline 1800 - 924 5664If you have information about illegal money lenders, call the X Ah Long Hotline. All calls are private and comfidential. Your details will not be asked or recorded in this hotline.Website: http://www.ncpc.gov.sg
Stay vigilant, report loansharking activities
The public can help the Police with their vigilance and immediate reporting of suspicious persons and loanshark harassment activities in their neighbourhoods. Police seek the public’s assistance to provide detailed descriptions of such persons and to work with the Police to solve the case. The public should however avoid doing anything which would put them in harm’s way.
To provide Police information on loansharking activities, members of the public can call the Police Hotline at 1800-255-0000 or to dial ‘999’ if urgent assistance is required.
Alternatively, persons who may not want to approach the Police directly may call the National Crime Prevention Council’s (NCPC) ‘X Ah Long’ Hotline at 1800-924-5664 (1800-X-AH-LONG) (9am to 5pm from Mondays to Friday) to provide the information which will be channelled to Police to assist us with our investigations. All information will be kept strictly confidential.
Victims of loansharking activities
Victims of loanshark harassment are advised to lodge a Police report at the nearest Neighbourhood Police Centre or to dial ‘999’ if urgent assistance is required. Police will investigate into all reports of loanshark harassment. They can also consider installing CCTVs at their residence to deter harassment and to provide Police with footage capture to assist with our investigations.
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MoneySENSE - A National Financial Education Programme
MoneySENSE is a national financial education programme launched by Mr. Lee Hsien Loong, then Deputy Prime Minister and Chairman of the MAS on 16 October 2003. MoneySENSE brings together industry and public sector initiatives to enhance the basic financial literacy of consumers.
The MoneySENSE programme covers 3 tiers of financial literacy:- Tier I - Basic Money Management - which covers skills in budgeting and saving, and provides tips on the responsible use of credit;
- Tier II - Financial Planning - to equip Singaporeans with the skills and knowledge to plan for their long-term financial needs; and
- Tier III - Investment
Know-How - which imparts knowledge about the different
investment products and skills for investing.
MoneySENSE is a national financial education programme launched by Mr. Lee Hsien Loong, then Deputy Prime Minister and Chairman of the MAS on 16 October 2003. MoneySENSE brings together industry and public sector initiatives to enhance the basic financial literacy of consumers.
Since its launch in October 2003, MoneySENSE has published over 253 educational articles in the media, organised talks, seminars and workshops that have attracted over 93,000 participants as well as issued 29 consumer guides with a total circulation exceeding 2.2 million.
MoneySENSE has also disseminated financial tips and messages in interesting ways such as a series of games at the inaugural MoneySENSE 2006 Roadshow which attracted over 89,000 visitors, organised a MoneySENSE-CPF inter-polytechnic financial education outreach that saw over 33,000 visitors, and subsequent roadshows at the Institute of Technical Education and various locations. In addition, MoneySENSE commissioned TV shows “Dollar and Sense” and “Mind Your Money” which saw over 1.1 million viewers, and various radio programmes with total listenership exceeding 1 million.
The MoneySENSE programme covers 3 tiers of financial literacy:
- Tier I - Basic Money Management - which covers skills in budgeting and saving, and provides tips on the responsible use of credit;
- Tier II - Financial Planning - to equip Singaporeans with the skills and knowledge to plan for their long-term financial needs; and
- Tier III - Investment Know-How - which imparts knowledge about the different investment products and skills for investing.
MoneySENSE is spearheaded by the public-sector Financial Education Steering Committee (FESC). The FESC provides strategic direction and oversees financial education programmes in Singapore. It comprises representatives from the Ministry of Social and Family Development, Ministry of Education, Ministry of Manpower, Central Provident Fund Board, Monetary Authority of Singapore, National Library Board and People's Association.
The FESC works closely with the MoneySENSE Industry Working Group (MIWG) to implement MoneySENSE programmes. The MIWG comprises the Association of Banks in Singapore, the Association of Financial Advisers (Singapore), the Consumers Association of Singapore, the Financial Planning Association of Singapore, the General Insurance Association of Singapore, the Insurance and Financial Practitioners Association of Singapore, the Investment Management Association of Singapore, the Life Insurance Association of Singapore and Singapore Exchange Ltd. -
More calling ComCare for social assistance
The callers typically face troubles such as domestic abuse, marriage woes and problems with caring for the elderly.
MORE calls for social assistance are being made to ComCare Call, a helpline that directs needy people to the right agencies for assistance.
The callers typically face troubles such as domestic abuse, marriage woes and problems with caring for the elderly.
These calls for help, advice or referrals accounted for 7 per cent of total calls received in 2008, but that number jumped to 20 per cent last year.
Between January and last month, social-service referrals made up 18 per cent of total calls received.
During a tour of the ComCare Call Centre in Clemenceau Avenue yesterday, Minister of State for Community Development, Youth and Sports Halimah Yacob explained that the increase could be due to the introduction of new social-assistance schemes.
They include the Centre-based Financial Assistance Scheme for Childcare and the Kindergarten Financial Assistance Scheme.
"People read about it (or) they hear about it...so they call the ComCare helpline in order to ask for more information and to get referrals," said Madam Halimah.
She added: "They could be families who did not qualify previously."
In April, the income ceiling for both schemes was raised from $1,800 to $3,500, making more families eligible.
"It also shows that (the) challenges facing families are becoming more complex," she said, noting that some of the help required go beyond financial assistance.
In the meantime, the helpline is gearing itself up for an anticipated spike in callers, due to the gloomy economic outlook.
"We are prepared to ramp up the services that we are providing to those who are in need, particularly if there's an increased need because of the economic downturn," said Madam Halimah.
Currently, the call centre has 16 staff members manning 25 lines. It is looking to add three to five more phone operators within the next six months.
During the global financial crisis in 2008, the total number of calls to the helpline requesting financial assistance was 20 per cent.
Last year, however, the total number of calls related to financial assistance accounted for only 15 per cent of the 23,083 calls received that year.
The helpline attends to an average of 2,500 calls per month. As of last month, it has received 26,900 calls this year.
The highest number of calls the helpline received in a year was during 2009, when it chalked up 28,879.
Not all the calls are made personally by those in need, as their friends or families can ring the helpline on their behalf. Madam Halimah added that ComCare Call is a key thrust in the Government's "no wrong door" policy.
She said that if people were unsure about where to go to seek assistance, "they (can) just call the ComCare hotline for help".
ComCare Call (24 hours): 1800-222-0000
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TS is already engaged with Ah Long, too late advising her to stay away from loan sharks.
She got 2 important $$$ issues here.
1) Clear the debts
2) Monthly expenses
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A good hunger-stopper.
Why?It will expand when ready-cook and further in your stomach, giving you a full feeling.
Eat oats (instant/ quick-cook).
3 big scoops (Chinese soup spoon) into a bowl.
Just add boiling water to 70% full.
Cover the bowl with a plate and wait 10 to 15 minutes.
Add water to 100% full, and consume at lukewarm.
Fast and easy-to-make breakfast. -
Give a man a fish and you feed him for a day.
Teach a man to fish and you feed him for a lifetime.
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Hi all, thanks for all the advise.
I'm a Singaporean, married into Malaysia n stayed there for 18yrs.
My family n relatives are mad ABT my divorcee so they had lost contact with me. Most worst is, dad sold away flat wen knowing I'm coming back to S'pore.
I dun dare to call the police. Wat happen if they know it's me? Sure they'll starting finding troubles for my children.
N honestly, it's my fault. In the veri 1st place I shouldn't find loan shark to borrow money.
The temptation always there when I'm reali in need of money, no one to seek for. As tat time, I couldn't apply any assistant wen the children are still Malaysian status.
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X Ah Long Hotline 1800 - 924 5664If you have information about illegal money lenders, call the X Ah Long Hotline.All calls are private and comfidential.Your details will not be asked or recorded in this hotline.
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2. KIDNEY DIALYSIS FOUNDATION (KDF) @ www.kdf.org.sgThe Kidney Dialysis Foundation (KDF) is a non-profit charitable organisation, established in February 1996 by Dr Gordon Ku, a kidney specialist. KDF provides subsidised dialysis treatment to needy members of our community so that these patients will not be deprived of treatment due to financial difficulties and support research for a cure for kidney diseases.
Patients needing treatment from KDF are referred by the medical social workers in the restructured hospitals.
A holistic approach is taken when caring for patients as it is KDF�fs mission to look after the well-being of patients by nurturing hope and confidence to make life more meaningful, even for the most destitute. With the commitment to provide high quality, low cost treatment to patients who are unable to afford treatment KDF has with the support of donors and sponsors, set up a few centres to care for its patients.
NICHE AND FOCUS
Here at KDF, we are very focus and attend only to a niche group of patients, who are from the lowest 10% of the income group and referred by the medical social workers from the restructured hospitals. Most of our patients hold jobs such as cleaners, hawker assistants, store assistants and taxi drivers. -
To provide Police information on loansharking activities, members of the public can call the Police Hotline at 1800-255-0000 or to dial ‘999’ if urgent assistance is required.
Alternatively, persons who may not want to approach the Police directly may call the National Crime Prevention Council’s (NCPC) ‘X Ah Long’ Hotline at 1800-924-5664 (1800-X-AH-LONG) (9am to 5pm from Mondays to Friday) to provide the information which will be channelled to Police to assist us with our investigations. All information will be kept strictly confidential.
Victims of loansharking activities
Victims of loanshark harassment are advised to lodge a Police report at the nearest Neighbourhood Police Centre or to dial ‘999’ if urgent assistance is required. Police will investigate into all reports of loanshark harassment. They can also consider installing CCTVs at their residence to deter harassment and to provide Police with footage capture to assist with our investigations.
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when divorce that time you volunteer to look after the 4 chewren arh?
you must be very short sighted or have deep pockets or a biggest bravado back then to take up responsibility on 4 kids.
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hi there,
since u are not able to cope financially, why not consider of giving them away
i mean as in putting to the orphanage home or for adoption by parent who doesnt have any children
i'm also curious about the kidney problem part, what type of kidney problem that your child is having that need an operations
would you mind giving details of the medical treatment and medicine your kid is taking
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Are you getting any financial support from your ex husband ?
Were you able to get any welfare/assistance from the malaysian government for your Malaysian children ?
Are you planning to send the children back to Malaysia ? .. have you tried applying for Singapore citizenship for your children ?
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