struggling really badly financially

hi guys, i’m an NSF in unit struggling pretty badly with financially and other problems but really feeling the pinch right now.

for context, I’m paying rent, have a couple bills to pay and expenses which my rank pay + combat pay of $750+ doesn’t cover at all so i’m living out of my savings now and have been since enlisting into BMT. I’ve searched up for financial assistance programs in the SAF but really didn’t find much. Not sure what to do since I really don’t think I can afford to support myself for a few more months, let alone till ORD in 2024.

I’m also a stayout personnel and on medical grounds can’t stay in camp so staying in is not an option. looking at getting concession passes to reduce my transport expenses but it also doesn’t really make sense. (I spent around $80 on bus and train fares) whereas concession for hybrid is $90+.

what can I do?

Netizens’ comments

• Bro ask ur unit in charge for financial assistance if i rmber correctly when i went into unit they had some talk during the orientation about FS so yeah u can ask and explain your situation maybe they can help
• Irrelevant qn but how are u Excuse stay in but still in a combat vocation?
  • pending downPES and given stayout status :/
    • Jia you buddy, downpes will lose the combat pay so u might be struggling a bit more

My husband destroyed my lenses because he said it was so suspicious of me to suddenly switch from wearing glasses to wearing lenses at work.

My husband (36) is the overly jealous and suspicious type. He could make up lots of assumptions and weird scenarios in his head if I don’t answer his call within 2 minutes or less.

I usually wear glasses, have been wearing them for 5 years. But after I got a job I paid for contact lenses as they were recommended by my coworkers and I always wanted to have them but didn’t have money.

My husband was shocked when he saw that I no longer wear glasses and instead wear lenses.

One day, I was in the shower and I discovered that he destroyed them. I lost it. I yelled and cried but his defense was that me wearing lenses all of a sudden a month after I started this new job was “suspicious”.

But I never made him feel like I was hiding something or being dishonest. We had a big fight because of it and he later apologized but said he’d rather I just go back to wearing glasses to “ease his mind” about those thoughts he’s been having.

I’m both shocked and hurt. He keeps trying to start random conversations with me like nothing happened but I can’t help but feel disconnected and quite horrified.

I was having dinner and drinks with my friends and bumped into an ex-colleague.

He said that he was drinking with his master (Shi-fu), not sure why he call him Shi-fu, but his size looks like he eats a lot of seafood.

I notice that he was serving his shi-fu like a maid and bringing him cups and drinks as if he was working in the bar.

I asked him about it and he said that he must follow every command of his shi-fu or he will face the wrath of the mighty temple god.

I don’t know if I want to laugh or cry, he also said that he fetches his shi-fu anywhere he wants like a chauffeur. Sounds like he is getting made used.

Then I overhear the conversation of the bui bui shifu, he told the girl that he has cancer and his days were numbered. The girls who heard his story started to show some sympathy towards him.

The bartender who happens to be my friend told me that the bui bui brings in different kinds of girls each time and shares the same sob story then tries to get them to bed.

He also drinks expensive liquors with coca-cola, cause he does not know how to appreciate good liquor.

He does all this to flaunt his fake wealth and then tells the girl he is hoping to marry someone before he dies and they will get his full inheritance.

This was his lure to get girls to bed. My friend blindly follows this self-proclaimed master and even gets beaten up by him when he fails to follow his command. I think not the bui bui got cancer, I think my friend got brain cancer.

Sounds like a slave to me.

3 days in with an IT job.

I’m 3 days into a new IT contract and I’m ALREADY seeing issues. Today took the cake for me. I need to vent. Sorry if this is rambling is too long. I want some support.

I was riding on the East-West line back home and there was two women in their 40s beside me.

About 10 minutes into the ride, the woman told me to off my phone and she claimed that her friend is affected by the “wifi” and it is making her sick.

I ignored her and continued texting on my phone, she started shouting at me and demanded everyone in the cabin to off their phones claiming that her friend is allergic to the wifi.

So I replied to her and said that this is not the mental hospital and there is no such thing as allergy to wifi.

She got even angrier and started screaming.

I told her to get off the train and stop making a nuisance. They eventually got off the train at Jurong East.

I went to the internet and search for such allergies and it is stated that it is a mental illness and it does not exist.

Now I am wondering are both of them crazy? Birds of the feather flock together right?

Here are what netizens think:

• I encounter this pair of auntie before, they also told me to off my phone. I walked away thinking that they are crazy.

• Ya really got this kind of people, but most of them are just delusional.

• No need to argue with crazy people, as they do not understand logic.

I am writing this because I am feeling very guilty and have no avenue to share my secret.

I grew up with only my father and have no siblings, my mother passed away when I was 3 years old.

I have been with my girlfriend for 9 months and recently we moved in together.

(Not bragging), When my dad passed away, he left me 3 condominiums I stayed in one of them the other two are for rental, which brings in a passive income. Coincidentally one of the tenants moved away and it was a chance for my girlfriend to move in and I can “build a story”.

So just when my girlfriend wanted to move in with me, I asked if she wants to rent a condominium together. She agreed and she give me around $1,500 a month. I told her that it is a good deal and I will pay directly to the landlord for this “good deal”.

But the fact is I am the landlord and I am getting money from her.

So I moved from my current condo to this 2nd condo where the previous tenant moved out and rented out the one I was previously staying.

Should I tell her the truth? I am feeling guilty that I am taking $1,500 from her but at the same time I do not want to lose this extra income.

Call me useless if you want, I am not working and survive purely on the rentals. So having this $1,500 is kind of like an increment for me.

I started to Chiong since 2009.

Which I am really young that time, But not hardcore only go ones in awhile.As not much cash around that time

Nv kena Gong Tao yet.

One fine day I went some clubs local one. Talk to a pretty girl that speaks English well. And she ask me for numbers. For the first time,Girl ask me number in clubs, normally is I ask girls.

I am happy as I was quite young. And happen to be a kon Thai that come for holiday with frens.

Meet her out movies and dinner and normal gentleman stuff. And last for fours days continue meeting her out.

The last day before she went back I gotten the first grant slam. Was happy lol. And send her to airport early morning Feel like I won’t see her anymore sad me.

But she text me everyday and call me most of the time As I was kidda broke can’t call her vary weak man.

On a fine day I went to look for her in Thailand. Spend most of her time with me and a lot of grant slam lol.
But they say the good times always ends quicker then u know. Slowly it ended due to long distance relationship.
And trust,  u all know how paranoid Singaporean mans are lol.

After that slowly I into Thai scene. TD Went with frens to different clubs and Chiong. Most of the days hop around. Kena many GT and kena many sop heart broken.

But still ok la. Ones u get use to it u will be fine lol. Understand the concept of TD.

Girls are still mainly come here for money. Listen to the same old songs lol.

Now most of my frens stops Liao. I rmb I always a carrot back then. Fren also sells bike to hang flower lol.

Back then was fun and kindda stupid. Know Afew girls and Afew happy moments.

But mostly nv lasted. Even if can lasted I also don’t wan went they go back Cos no trust la.

Went drunk that’s it lol. That’s why hard to trust the girls u nv know it. Lol.

I maybe a wet Blaket many times, But just wan bros and know many thing is not what u thing it is.

Kena many many times til sian lol. I am not gd written and English quite limited pls bare with me.

Those can share de story I share some really can not Too sad alr ……
But over time u be fine la.Lets just say after ur next poke or grant slam u be fine and strong again lol.

I’m an insurance agent (or financial consultant), and I have problems managing my own finances.

Before I start, I know that I am going to get a lot of grief and hate comments, but I don’t care anymore. I need advice and help before things get out of hand.

I have been an insurance agent for the last 3 years, and my income is relatively healthy. I bring in about $4k to $5k per month, and I also work as a Grab driver in my free time.

But the problem is, I can’t stop spending money. Whatever I earn each month, from my insurance job and investments and side jobs, I spend almost twice of that on redundant things like clothes, drinks, branded things.

I recently started playing this game called Diablo Immortal and spent about $15K on ingame items, and it even got to a point where I borrowed money just to spend somemore.

And I also keep going drinking with my insurance friends and colleagues, and I can’t say no, and sometimes I even borrow money to go drinking with them after exhausting my income for the month.

You know how it is in the insurance line, 8 out of 10 insurance agents are heavy drinkers who go drinking very often. Don’t believe me? Go ask your friends who are insurance agents, they will tell you.

I knew I had a problem but didn’t think it was this bad, until one of my friends told me “you are an insurance agent who works with finances, but you cannot even manage your own, you don’t feel paiseh meh?”

And it really woke me up and I’ve been trying to get back on the straight ever since.

Not happy to admit this but I am about $25k in debt from my loans, credit cards and friends, and have about $10k in savings plus my monthly income of about $4k to $5k.

I am aware of the irony, me being an insurance agent/financial consultant who is terrible with my own finances. But I am working on fixing my mistakes.

So I just want to ask, for those who are spendthrift and addicted to spending money that they don’t have, how do you control your urges to spend money?

A netizen shared how her friend’s jobless husband was cheating on her, and used her credit card to buy a Rolex watch and a gold chain to impress his mistress.

Here is the story

My friend’s husband has been jobless for the last year, and has been working part time at a food kiosk earning about $6 per hour and depending on her salary to keep the family going.

He has a habit of going drinking with his friends and leeching off his friends, making them pay for his drinks and promising to pay them back but never does.

She checked her bank statement while paying her bills and noticed that there were huge purchases made with her credit card, and she called the bank to get answers.

She had a charge on her credit card for a Rolex bought online and for a gold necklace from a jewellery shop, and she confronted her husband about it and he confessed to using her credit card to buy a Rolex and gold chain.

She asked him what did he need it for and he said that it was an investment that will increase in value, and that once he sells it and makes a profit he will return her the money.

She believed him but was still angry because he took her credit card without asking her.

A few weeks later she snooped on his phone and saw “naughty” messages between him and another girl, and she was wearing the gold chain that he bought.

She confronted him and this time he came clean, admitting to cheating on her and using her credit card to buy the gold chain for his mistress.

She asked him what happened to the Rolex, and he said he still has it, and bought it to impress his “outside woman” with her credit card.

She called me that night crying and asked if she could stay with me for the time being while she sorts things out.

I really don’t understand how someone as loyal and dutiful as my friend, who puts in 100% in her relationship with her husband, can still be made a cuckold.

Really kills my faith in love.