Well like I always say. To live the good life, be an elite in
Singapore.
Middle Income group like you and me sucks. We pay for everything
and see our pay become smaller every year due to inflation and
before we know it, we belong to the middle-lower income
group.
Also, the companies we work for keep adopting wage cutting measures
like changing shifts to cut out OT but coz the shift times are so
weird, you literally have no life (hubby gonna get that) I'm going
to see less of him now 
Anyway no matter what, just don't be poor in Singapore.
