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I need to balance my work life and academics, take charge of my finances and try to save up as much as I can. Also, I need to complete my studies and find a job that can support my own and my family's financial needs

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Low income students usually end up having to support themselves by finding part time jobs, which could be both mentally and physically draining as they keep up with both work and studies.

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Generally, thinks that more could be done by  the government:

1. Increase the amount of money they can give for the subsidies as the impact of current amount is minimal in dealing with the financial burden they have.

2. Increase the range of the requirements for the subsidies as well as increase the amount of subsidies they give.
This would hopefully result in more families being able to qualify for these schemes, but still ensure that those that really need it are still getting more.

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Saving up could be quite challenging for low income families, especially when they do not have enough money left to deposit into savings after they spend on the essentials. It is also further exacerbated by alot of factors that could not be controlled, which could cause them to withdraw money from their savings

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When dealing with medical issues, there are actually 2 problems that are faced. First would be dealing with the very high costs of medical fees, which even if mitigated by finiancial schemes could still be very expensive, espically if you have a medical condition and would need frequent trips back to the doctor.
The second issue is after dealing with medical issues, it would leave you with the inability to work for a while while you recover

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Low-income families generally do not have the funds to deal with the issue of increasing cost of goods in Singapore. Addtionally, the stagnant pay adds to the issue of coping with the increasing cost of living
Both of this results in a difficulty of having any savings

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Low-income families have to live frugally and save as much as they are able to in order to get by. Loans are also unpaid and may snowball

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Generally, SkillsFuture does help people to get the skills required to deal with retrenchment. However, this platform still have flaws that has to be worked out

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Bursaries in general do help, but they are overall not very effective at all in  easing the financial burden of school fees.

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To be honest, if your pay does not rise after going into skillsfuture, even after going for another job, then the only thing ur getting out of it is job sercurity

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Sometimes the work right, pay doesnt increase. My meals sometimes can be out of budget and it's not good at all. It's definitely not a great feeling and it's very taxing of course. I am not very happy with it. You have a fixed income and the cost of living increase, the liability increase but the asset don't increase. Personally, i really, it's very pain.

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feels that main issue with skills future is where the instructor is not motivated to teach as it is the government is the one paying them and not the students

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"unexpected huge sums of money, espicially when in the negative would be very detrimental."

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I dont think financial-wise they can help much, otherwise i'd say emotional-wise? Sometimes you receive financial assistance or something, people tend to have a bias, and this bias might lead to certain unforeseen circumstances. These biasness might be subtle and unbeknownst to the person.

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Also with the increasing costs of property, rent would also increase,which would also be another big problem.

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The government as a whole, no matter what party runs it, can do more, i am not saying they are not doing enough, they can do more to help. They are helping with tailored assistance, however if its possible with them, I would appreciate if they help us find more sources of income.

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Finds like hosuing is going to be an issue, espicially since you have to either be a certain age or married to buy a hdb.

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Really hates the increased costs of good in Singapore, as finds that pay does not increase even if goods prices does. Causing stuff like food to get out of budget

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(schemes and plolicies)Defnitely (helpful), but it can only help that much. You cant have the government helping you with everything ... the government only give you enough to help you get along with life, not like here's a big amount of money to let you have waht you want. Sometimes they don't do even that, they cover the very very base and you supplement whatever's next.

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(Concern about increasing price of general things) I think it would be a hassle, for example cars, the price are going up ,more tax, more coe to pay. To live like a higher than average kind of living would be quite hard.

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I think its(skillsfuture) useful in a way like they get to learn something so its quite a positive platform. If it's online it's hard for people of older age to understand.

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Increasing the price can tighten my finances abit, considering what i am getting right now. Makes me saving my money a lot harder. (Increase in prices) is unavoidable due to inflation

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(society)Donation of funds, or like charity... to cater for people who are in need of financial help in a sense

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Thinks that financial help is only helpful to a certain extent

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Finds that are not alot of ads telling abt financial help

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Are not able to qualify for some financial help as the government does not look at the income per member of the family- tax and loans.

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financial issues stem from a big family complied frpm previous loans due to issues afforementioned.

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Tries to defer housing loans(ard 49 do not quite get X( sorry)

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Also knows of bursary and does help with his finicail burden of education

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Also knows about cdac and also have this thing family consueling thing that helps with planning of childcare of fam can work. His family has used it once

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Knows about chas card, polyclinics subsidies more and alot more cheaper, and thus tries to go to polyclinic if sick

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Biggest issue is finacial and health, mentally still can cope for a couple of months

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Mentally also not doing good as he is stuck in a room for many hours a day and still with studies to catch up on.

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Physically health is not improving and the medicals fees are high

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2. Parents also no longer has work and the family is living off funds which is already not much, and very stressed.

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Finds that school fees and medical bills are very high and thus parents could not help him in this

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Parents does not pay for his school fees or medical bills, but only pays for 1 or 2 housing bills as they alr have alot of loans to pay off and thus not even able to help him.

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Ability to save is dependent on the month. For months where he can find work and does not need to pay medical bills, then YES, he is able to have a saving.
However, on months where he is not able work and has medical bills to pay off, then instead he has to dig into his saving, and his savings 'effectively resets to 0'.

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finds the govenment are taking efforts in trying to improve and help out people. Espciacally with the relief fund that is given now for the cb peroid since people are losing their jobs

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Finds that people that need more and people that need less of financial assistance are both getting the same amount of the government is quite vague on how on the financial schemes

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Also feels that government could be more vaired in the help, like give more to those that need more of the help

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Feels that government could cut school fees down.

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Feels that since bursary was meant to help people for funds, but feels does not help much, but still helps to clear some school fees.

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Even with the help from bursary, did not find it very useful as it was meant for the whole year and also schoolfees were higher than the bursary given

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Her father did have a back surgery recently and was not able to find a job, thus was unemployed for most of the time

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Does not find government help that helpful. Only helps to a small extent. Help was not really designed for poly students, so school fees still remain quite high and still finds it very difficult to pay school fees

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Has to play own phonebills and transportation, generally taking care of herself. Unlike her freinds, whose phone and transporation are paid by their parents.
Thus finds it difficult to save up

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i would like to move out if possible because the emotion tension and the mental strain on me is quite tough

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they (parents) have alot of loans that are still in effect

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I feel like its quite hard for me to save up

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I have to pay off my own phone bill, transportation, and basically take care of myself

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i feel like i dont have as much pocket money as my friends

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im eating more instant noodles (or) just not even eating at all

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Mostly use phone calls as there are mobile plans with limited amount of texting messages.

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Does not really spend much like buying of new clothes , mostly basic necessity like shampoo , paper towels

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Needs : Food ---> greatest expense , takes up quite a lot of the budget as well as transportation and medical (due to health conditions)

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Helps out with Dad's construction work when more man-power is required

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Only one parent is working and family has a low gross monthly income

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Currently works part-time at night, while studying , working hours :
(8pm/9pm -1am/2am)

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Start saving electricity or on the small things, and the saving will start to collate.
Also just buy what is needed (not spend unnecessarily) and send money wisely

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(increased costs of living) Think that others that are already struggling will get it even worse, since it will just add on to the burden that they already have.

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Increased costs of living is ok for NOW, but when in the future, when she starts to work, will start getting intense, since youll be supporting youself.

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But increased cost will definetly be a disadvantage for low income fams, espically since they are already struggling for basic lifestyle

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Thinks that the increased costs is normal, espically since there is a demand. is ok with it

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Does not think that just because of subsidies, there a no longer a need to pay

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GOvernemt could provide more job oppourtunies, or even a better way to work. Espically since some people cannot get a stable job, or even find a job

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(have you heard of any government schemes) not really

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Has responsibilities to take care of the elderlies

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Thinks that generally government is doing ok in allocating funds, are dong quite alot to help certain grps like senior citizens or low-income fams

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let's say if something happens or that there is a huge medical bill to pay, this could be one of the financial issues that i can face overnight

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I have a small amount of money planned for some renovation in a few years time

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just enough (money) for everybody's' needs

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i would say that we are like just enough only, i wouldnt say that we are like very comfortable that we have extra money

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society is getting more competitive and i dont it will be enough

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Also important that the resources has to come from the entire public and not just 1 group

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when they go for skillsfuture they can enchance on their skills, they will deepen their knowledge. With that i think when they're looking for jobs they can meet the criteria for the job and they are able to achieve what the job requires

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buy what you need also, spend our money wisely

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Government could give vouchers and cossecion pass for transport

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then the pay also never increase

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Government could provide more schemes, in the school fees and healthcare and also transportation.
Since transportation is used everyday, fees can start to pile up and get costly.

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couldnt afford assessment books as well, so it was really tough

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Communicate mostly via face-to-face as well as via phones to family members using English , Chinese , Hokkien,

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(will skillsfuture help in any aspect) ya, i think it will help them to get into a job easier, because they have the skills required

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Leftover money from bursary can also used to save up for future use

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Think schemes are helpful
EG. Bursary gives extra money to help in buying neccessities for school

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few of my family members are like upset about the price, like it affects us financially

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because we have financial issues so she has to support herself by working part-time

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(goods) are quite overpriced. ...we need to use more money to buy food so we have lesser money for other areas