Happy national day Singaporeans! Kicked out of my hse, really have no idea where to go

Having some trouble here, got into a big argument with my parents on my bday 8 aug and my parents continued arguing with me today 9 aug and forced me out of the house, I really dont know where to go now.

Any place to lepak until maybe midnight? Also idk if i want to go far because i am having some intense back muscle pain due to lack of sleep, i live in west area(Jurong)

Netizens’ comments

1. Ironic since Singapore got kicked out on the same day as you.
   But the better thing is to try and make amends with your parents instead
2. Libraries all closed today. Airport is 24hrs and got aircon… lots of places to chill with food places etc…
3. Changi Airport for air con and comfy seats? Food might be a problem due to price though, but you can always ask where’s the staff canteen
4. I have a flat in Sengkang, with a big couch in the living room. DM me if you can’t find anywhere else.
5. Hit up any of your friends see if they can let you stay for a day or two, then go back to your parents once their heads have cooled and apologize.
   Doesn’t matter who’s wrong or right, you need their roof so yea, got no choice.

A netizen shared how he was shamed by an old classmate for using his parents’ money to pay for his uni degree.

He said that it seems like quite a few people are judging him for using his parent’s money to pay for his degree, and asked if there is really a need to shame others for not going the same way as them.

He added that he took an interest-free loan from his parents to pay for his degree and that he would be paying them back.

Here is what he said

Recently I caught up with an old classmate of mine and I was talking to him about my PhD journey soon (I got accepted with a scholarship). The first thing he asked me was if I paid it myself and I said yes, I have a scholarship.

We talked a bit and he left for another appointment. Although obvious, it seems like quite a few people judge you based on whether you use your parents money for degree/studies. I don’t really understand why they do so though. Like I get that you paid for your degree studies yourself (and you are proud of yourself for doing so), but is there really a need to shame others for not going the same way as you?

Many ex-students (like myself), take an interest-free loan from parents (to tide through uni) and pay the principal back over installments, which is a much better idea than loaning from banks.

Can someone enlighten me on why some financially independent students feel the need to shame others? I don’t really get it, like does it make them feel better than the other person or something?

Edit. For some context, back in our uni days (bachelor), I mentioned I was taking a parents loan and he said that he took a bank loan. He proceeded to call me spoilt. I later clarified that I intended to pay them back, which he took back his insult.

Netizens’ comments

What, u guys didn’t have to tap rubber or work the padi fields b4 going to school every morning?

Yr parents paid for ballet, swimming, abacus and tuition classes after school?? U didnt have to cook and clean and look after your 12 younger siblings???

What do u mean u took mrt n bus to school….. u didnt have to wade across a river and walk 10km each way? How did u do yr homework then…. not under the moonlight but gasp, led lights…. on your study tables?

Oh the shame! Snowflakes, the lot of u! Shame!!!

A netizen shared how he is in debt of about $10,000 and earning a monthly salary of $1,500, and given the current rate of his repayment, it would take about 1 or 2 years to repay his debt.

He broke down his salary and monthly expenses of about $800 for his rental, leaving him with $700 for food and utilities.

The rest of his salary (presumably goes to his debt repayment).

Here is what he said

$10’000 debt with a $1500 monthly salary

+ Has no Diploma
+ Has no Degree

+ Lives on a rent with $800/month (including utilities, thank god.)

Never had I been so thankful that I’m not a big spender.
But still, this debt will most likely take 1 to 2 years of my life to pay off. (Im 25 years old, no kids; No sickly parents (thank god again. :’) )

Truly, Wish me luck.

Netizens’ comments

1. You’re really not doing to bad. Work your way up in your job / career path. Make good decisions, you’ll be fine.
2. In the grand scheme, you’re doing great! My advice is to make a plan so that your timeline is not “1-2 years”. You should know exactly when you’ll make that last payment. It’ll help keep you motivated.
3. What are the types, totals, and minimum payments on each debt?
   Aside from rent, and above minimums, what are you monthly expenses?
   Is that full-time (what state if so?), or do you have the option of a side hustle?
   Sorry for all the questions, but I spent the last 4 years paying off a mountain of debt, and answering all the above was how I got started.
   Little jealous of that rent.

My boyfriend is 25, and just got a job—actually his first one. He’s bought everything himself his entire life.

His parents however are fairly well off but only pay for one thing, his phone bill. I’ll give him credit that he’s been fairly smart with money and always saved up.

His monthly expenses are as follows:

• 250 student loans
• 250 petrol

He has been driving his father’s old car. The transmission actually died on it last month, and he had it replaced even though the car was almost gone case. That cost about $1600.

Anyway, he just got a new job making $44,000 a year (about 3500+ a month), he’s been showing me the numbers and telling me he can “buy a $350,000 car”—which is one he’s really wanted for the past two years.

Doing the math, he figured he pays about $1967 a month, and that at 4.0% interest with $150,000 down, his payments would be insane for the car and the insurance.

So, I did the math with him and totalled EVERYTHING up. It came out to be much much more than he could imagine-taxes, gas, insurance, and car payments.

I just can’t help but think he’s wasting a considerable amount of money and shouldn’t do this. But he won’t listen and says he’ll save 50% of the remaining. He’ll budget for expenses. So that’s $400 in guaranteed savings and another $400 for whatever expenses. (I don’t know his maths learned from where, maybe from the moon)

I want to show him this post, so I’m hoping I can get some good feedback from much smarter people (that aren’t me). His parents are the type of people who don’t care what he does because it’s his life but have 100% said they won’t give him a dime.

Thanks for the “help” though

My wife and I have been together for almost 6 years. We moved in together 8 months after we started dating. We got married 6 months ago and closed on our first home 4 days before our wedding.

We have always agreed on what we’d want in a home for renovation and the location.

We currently live with my parents. The house we bought is an old resale flat. It is in the ideal location and we have space to add additions in the future when we can afford it. When we made the offer, we both agreed on the renovations that we’d do to it before we moved in. We had originally hoped to be moved in by September.

Obviously, with paying for our wedding and putting a down payment down on the house, we don’t have a ton of extra money laying around.

My wife and I both work full-time jobs – both typically working more than 40 hours each week. She makes more money than I do. I have car payments & insurance, phone bills, and student loan payments, and am paying back a loan from my dad.

I have mostly paid for all groceries and household items in the past 5 years. The only bill she has is vehicle insurance. She has been paying the mortgage payment for all of the renovations. I have been paying the electric bill and will help with the mortgage in about a year when I get my dad’s loan paid off.

The problem is, my wife has been adding multiple extra renovation projects adding more time and money. She is doing all of the work herself which I am so grateful that she is able to do until she started screwing up and realising that she is not a renovation worker.

With all of the projects she has added, it could be a year before we move in. I go to the house and help her when I can but most things I don’t know how to do. She ended screwing things up big time and we had to find an expert for the renovation.

She went to get 3 quotations and they came back at $100,000. This is ridiculous.

I told her that it does not make sense to do such a fancy renovation but she does not get it and insisted on spending the money. I asked a third party about basic renovation and fixing her errors and it would only cost around $25-$30k, which is at least 70% cheaper than her fancy renovation.

I am currently in the midst of getting a divorce as she is obviously trying to get something we cannot afford.