I am really vexed with a lot of things
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of hand it is difficult for anyone to give you financial advice as it involves many aspects. it is better to seek professional help.Originally posted by SingKoala:now i work also got problem, am i so bad luck all these while....
a lot of things are all turn against me and not smooth....and even work also got problem, follow instructions also got scolding and blame for mistake....
how to work?
how to work with all the problems in my mind???
how to work if i just follow instruction still get scolding, so confusing????
what can i do to improve my situation???
I want to work from home, but can I? ever work as tutor coordinator but don earn much....plus i really need CPF badly....btw i am working as part time admin also where salary is not much and cpf also not really enough.....
If i can work at home as tutor coordinator again and work hard to get the money and top up my own cpf, do you think it work????? -
At this point you still wanna think of depending on ppl arh?Originally posted by SingKoala:what is CCG
sometimes cos of money, i even have the thought of selling myself, and earn that easy money for the time being to pay debts and all these...but is it worth it??? or should i do that???
i cant carry on like this....and debt is accumulating each month goes by.....i really scare and no one to depend on......
Don't hope and don't wait for it.
Depend on yourself to settle better.
Anyway, another suggestion.
You have a house of your own now right?
Got extra room or at least try to empty one room and rent it out?
Not much income but I think at least got extra $200-$300 per month to help you tide out some stuffs. -
Millionaires can go bankrupt overnight too.Originally posted by laosu:If she's living on landed property, I personally don't think she'll have these kind of problems ler.
Anyway if he is on landed property, downgrading to a flat should solve his problems especially since it is stuff like laptops etc which seriously......
I mean he did mention House and can he afford a flat
I dunno....maybe I'm skeptical but he is either petrified by his debts and problems or he is just starting a thread about problems....don't even sound mature to be a father of kids
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i am living in 5 room now, once sell 5 room which is now price drop alot, i afraid i cant even afford 3 room flat....not becos of the downpayment, but cant apply for any loan.....salary above $1,500 then loan can be approved by bank or HDB.....even than, now all the PUB bill etc are paid by my ex hubby who is still living under the same roof......
i don need that laptop actually, can i wait for them to take back, i really cant pay for that anymore......
to save the housing agent fee, i take up the course to sell my flat myself...hai....thinking maybe can be part time property agent too in future....am i right???? -
umm i think if 'can't afford' then later will still be not able to pay...so y want to commit?? Interest on HP is high neh...and if have a few loans at one go...isn't that looking for trouble...Originally posted by dragg:i mean for people who wants to buy but cant afford, hire purchase is the only way.
the other good point is that if one cant afford to pay just return the item. thats what he can do right?
or am i wrong?
its like unless the monthly pay definitely can pay off...(no one will go round expecting to lost job before losing one mah)...and those things are really needed...then of course go ahead....
else it will be wasting money to commit. pay a few instalment just to own them for a while then be taken back cos no money to pay?? ended up without the things and also money gone....not worth ley.... -
i understand.Originally posted by a_splash:umm i think if 'can't afford' then later will still be not able to pay...so y want to commit?? Interest on HP is high neh...and if have a few loans at one go...isn't that looking for trouble...
its like unless the monthly pay definitely can pay off...(no one will go round expecting to lost job before losing one mah)...and those things are really needed...then of course go ahead....
else it will be wasting money to commit. pay a few instalment just to own them for a while then be taken back cos no money to pay?? ended up without the things and also money gone....not worth ley....
what i mean is people who commit to hire purchase do so because of the 2 points i said. isnt it? -
that's where all the problem lies....Originally posted by dragg:i understand.
what i mean is people who commit to hire purchase do so because of the 2 points i said. isnt it? -
i just have my GCE O level, i cant teach nowaday syllabus....it is not easy already.....i rather be the tutor coordinator...
anyway, even online, all this starhub internet payment is paid by my ex hubby who is still living with us.... -
everyone heavily in debt....can't run away....asset rich but cash poorOriginally posted by a_splash:that's where all the problem lies.... -
Maybe you can't afford a 4 room but you will be able to afford a 3 room if you are buying from HDB and not the resale market.Originally posted by SingKoala:i am living in 5 room now, once sell 5 room which is now price drop alot, i afraid i cant even afford 3 room flat....not becos of the downpayment, but cant apply for any loan.....salary above $1,500 then loan can be approved by bank or HDB.....even than, now all the PUB bill etc are paid by my ex hubby who is still living under the same roof......
i don need that laptop actually, can i wait for them to take back, i really cant pay for that anymore......
to save the housing agent fee, i take up the course to sell my flat myself...hai....thinking maybe can be part time property agent too in future....am i right????
Anyway, there is something called a 'bridging' loan from the banks which is an interim loan they give so that you can buy your new property before you receive the money for the flat you just sold. -
sell them to him lah....then borrow from him...Originally posted by SingKoala:i just have my GCE O level, i cant teach nowaday syllabus....it is not easy already.....i rather be the tutor coordinator...
anyway, even online, all this starhub internet payment is paid by my ex hubby who is still living with us.... -
Originally posted by elindra:
then will be more heavier in debts.....
Maybe you can't afford a 4 room but you will be able to afford a 3 room if you are buying from HDB and not the resale market.
Anyway, there is something called a [b]'bridging' loan from the banks which is an interim loan they give so that you can buy your new property before you receive the money for the flat you just sold. [/b] -
how much did you pay for the 5 rm flat?Originally posted by SingKoala:i am living in 5 room now, once sell 5 room which is now price drop alot, i afraid i cant even afford 3 room flat....not becos of the downpayment, but cant apply for any loan.....salary above $1,500 then loan can be approved by bank or HDB.....even than, now all the PUB bill etc are paid by my ex hubby who is still living under the same roof......
i don need that laptop actually, can i wait for them to take back, i really cant pay for that anymore......
to save the housing agent fee, i take up the course to sell my flat myself...hai....thinking maybe can be part time property agent too in future....am i right???? -
This is a short term loanOriginally posted by a_splash:then will be more heavier in debts.....
You have to pay them back when you receive the money
Of course they take a cut out of the money received.
If she gets a good price for her flat and get a cheap 3 room, even after the cut there should still be money left.
Of course she will have to work out her sums properly. -
Originally posted by elindra:
ya, very importantly.......so as not to be in another round of not being able to pay and in heavy debts
This is a short term loan
You have to pay them back when you receive the money
Of course they take a cut out of the money received.
If she gets a good price for her flat and get a cheap 3 room, even after the cut there should still be money left.
[b]Of course she will have to work out her sums properly.[/b]
price of HDB is falling i heard.... -
only 5 rms are falling. all because HDB sold their unsellable flats in the resale market.Originally posted by a_splash:ya, very importantly.......so as not to be in another round of not being able to pay and in heavy debts
price of HDB is falling i heard.... -
they jiak ka liao.....Originally posted by dragg:only 5 rms are falling. all because HDB sold their unsellable flats in the resale market.
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i heard 5 rm resale flat in tampines dropped 50k recently. they say there wont be much impact because they are releasing only 900 units. but that is not the point. they have 10000 unsold flats. in time the market will be flooded with 5rms. supply will be more than demand. there is only one way for prices to go - SOUTH.Originally posted by a_splash:they jiak ka liao..... -
SKoala, stay strong! stay brave! hang on! don't give up on yourself! even in ambulances take time to get to you!
ok i'm serious, didnt mean to joke around. but hey, u really really have to stay for e kids, for your mum, and yourself! be strong! help will come.
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Can you rent out the rooms?Originally posted by SingKoala:I cant think, i m full of problems, and almost cant take it anymore.....
every month money not enough to spend, and every month people called to chase for money......and to pay this and that.....
my life is in a mess......divorce with two kids to take care....income not enough...cpf not enough, if sell house, i don know i can afford a flat or not...where m i going to live with my two kids..........................i really don know what to do.....HELP!!!!
where can i find money??? what can i do???? i really don know???.....i still got mom medical bill to pay.....still got debt too.....
pay pay pay..... siao liao soon....
Try to prioritise your debt returning..
STAY FOCUS on your job and only think of other means of income during your more free relaxing leisure time....? -
Children's expenses cannot get maintenance from your ex. hubby?
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ermmm...a few questions...
1) Who's paying for the 5rm flat now?
2) Your mum staying with you or she got her own place to stay?
3) Can rent out one of your rooms to others?
4) Your ex-hubby still live in the same roof, the kids is also his kids, shouldn't he be responsible also? -
She's the mum....not father...Originally posted by elindra:Millionaires can go bankrupt overnight too.
Anyway if he is on landed property, downgrading to a flat should solve his problems especially since it is stuff like laptops etc which seriously......
I mean he did mention House and can he afford a flat
I dunno....maybe I'm skeptical but he is either petrified by his debts and problems or he is just starting a thread about problems....don't even sound mature to be a father of kids -
I agree with you but then again if she's bankrupt, she won't even have to pay for the installments anymore cause everything under her name will be void and taken back...including the house (landed property). She still has her house and her laptop...so this shows that she's not bankrupt. If it's a landed, I think she would have sold it long ago to tide over instead of coming here to flare out her woesOriginally posted by elindra:Millionaires can go bankrupt overnight too.
Anyway if he is on landed property, downgrading to a flat should solve his problems especially since it is stuff like laptops etc which seriously......
I mean he did mention House and can he afford a flat
I dunno....maybe I'm skeptical but he is either petrified by his debts and problems or he is just starting a thread about problems....don't even sound mature to be a father of kids -
My ex hubby is paying for itOriginally posted by laosu:ermmm...a few questions...
1) Who's paying for the 5rm flat now?
2) Your mum staying with you or she got her own place to stay?
3) Can rent out one of your rooms to others?
4) Your ex-hubby still live in the same roof, the kids is also his kids, shouldn't he be responsible also?
my mom is staying with my sis. they join ownership of a flat already
room rent out one now to my good friend
he already help to pay quite a lot....and i only stay in this house paying only my own bills...i wonder if without him liao, i have my own flat, i got more expenses to pay then, don you agree...?? all those conservatives fees etc....
and he is only giving me $600 maintenance only ....