kakowi's replies are very unpractical and belonged to those
"ideal" and "model" answers from counsellors.
Let me start by first saying, I am in a very similar boat as
you. I have both parents, brother and sister living together with
me. Both parents are 57 and 53. Sister is 18 and brother is 16. My
father suffers from schizoprenia but is now like lao ren chi dai,
and my mum was also schizoprenic but had since recovered fully. My
dad does not wor, not that he doesnt want, but he has the heart but
no strength and breath. My mum is currently working as a school
cleaner, income: 650 per month before deduct CPF. My sis is
studying in poly 2nd year, my bro, just admitted to boy's home
recently.
With a family like this, I believe many will have given up, but
not me. My parents provided basic schooling and food for me till I
am in JC. From then on, how I survived my dailies is by loans from
governement, bursaries and kind loans of 100 or 200 every few
months from my uncle and aunty. I survived thru my uni studies by
100% loan from the bank, which I am currently repaying: 36k in
total. I did not really work part time in my uni as I was actively
involved in CCAs.
Currently, my expenses are as follows every month:
Uni loan repayment: 600
Bills (HDB loan, PUB, Town council, Starhub, Singtel): 1000
average
Insurance: 240
Food: 400 average
Transport: 100 average
Don't worry, with your current case, if you go to your grassroot
MP, you will definitely get monthly assistance from them, 300 per
month. If you don't get it, send me a PM, I will advise you how.
You need supporting documents, for example medical certs (very
powerful) to prove that your mum can't work, your outstanding
monthly bills, your pay slip, your mum declaration of
divorce/unemployed etc. Anything that can prove your hardship will
help. You can also apply for temporary waiver of housing loans and
utilities but remember that it is only temporary, you will still
have to pay back in the end when you earn enough for your
salary.
Don't worry too much about your investments for now, you simply
do not have enough money. Wait for about 2 years or 3 years when
your pay increase or you change job. If can, take a part time
degree WITH your company sponsoring you. Think of ways to minimise
your spendings, take buses, walk to nearest MRT, cycle.
Times are hard, but if you persevere, one day, you might just
get lucky and land into a job which pays you well and things will
change for the better like myself currently. Good luck!
i rikes ur attitude 
heehee
-hugz-
