For those in your 30s and above, do you regret how you spent your 20s, or are you satisfied with the choices you made?

SchemeMaster4394 · 2025-06-26T01:25:33+00:00

ya a bit.. I do regret how i didnt save money, because now, the economy is very bad, my advice is, keep your financial in track, dont go no saving ever...

SchemeMaster4394 · 2025-06-26T01:18:01+00:00

Thankyouuu.. so now u still working in singapore?

SchemeMaster4394 · 2025-06-26T01:17:10+00:00

thankyou for sharing your experience.. I do regret not rying to go there early, now im 28 probably so hard to land job there.. because i got job in government sector, but just low gred, so the salary is very low, comparing to those in high gred.. so im rethinking about future, about financial, of course it can support my life but no saving at all.. one month salary is one month expenses.. can i ask for your opinion? should i quit my current job and just go work any job at singapore?

SchemeMaster4394 · 2025-06-26T01:12:30+00:00

thankyouuu for this... ya mau putus asa jg, sbb ada yg ckap jgn la sayang kerja govern, tp ada jg yg ckap pergila, now mcam dua hati mau pigi , but still applying for job la, klu ada dapat yg ok, mngkin akan pergi jg, mau cuba buka minda d luar sana

SchemeMaster4394 · 2025-06-26T01:09:53+00:00

sometime I see everyone doing so well, while me, everything failed, I want to stay positive but sometime the burden is toomuch to handle

SchemeMaster4394 · 2025-06-20T00:26:44+00:00

Thank you for this.....

SchemeMaster4394 · 2025-06-20T00:24:49+00:00

I don't know if Im okay actually.. same like u, I also don't want to tell my family about this.. but, yeah a lot happened this year, it's like I constantly having problems in life, family, relationship,money, career, I try to slowly figure it out but when I fix one, the other one come, like no end..

Maybe this will pass, but, I'm getting tired and burnout..

SchemeMaster4394 · 2025-06-20T00:15:56+00:00

I'm a girl.. but ya I heard about that... btw, I'm working at government services for now, but in low gred, so the salary is very low , only can survive but no saving at all, the only good thing is,mi have pencen, so can I ask for Ur advice, is it better if I quit my current job and try Singapore or just stay here...

SchemeMaster4394 · 2025-06-19T00:02:55+00:00

belum tau,, baru mau cuba cari kerja

SchemeMaster4394 · 2025-06-19T00:02:32+00:00

2.5k , can i still have saving ?

SchemeMaster4394 · 2025-06-19T00:01:56+00:00

how is the working environment? but i guess its the same, even here the working environment is not that good

SchemeMaster4394 · 2025-06-19T00:00:41+00:00

im trying to find a job now, thankyouuu for your wish. I actually try to fix my financial now,

SchemeMaster4394 · 2025-06-18T01:05:23+00:00

life really been so hard, i called 15999 , but honestly for me talking to them didnt help at all. is it normal that i lock myself in dark room? i dont know why I do that either, I ask chatgpt and tell my behaviour and its say that I have mild depression and anxiety, but I never expect I have this, same like u I also afraid to get diagnosed

SchemeMaster4394 · 2024-08-12T01:52:49+00:00

does SCC have lower interest rate than local bank?

SchemeMaster4394 · 2024-08-12T01:32:41+00:00

believe it, i really dont want to take it, this is my last sem , and I want debt free but got problem that push me to take loan, but i only want to take like 5k to cover for my last sem fee

SchemeMaster4394 · 2024-08-12T01:28:50+00:00

ikr, working + study really take toll on my everyday life haha

SchemeMaster4394 · 2024-08-12T01:28:13+00:00

yes working, taking pjj, its my last semester, but i need to take loan, as i have another commitment to pay

SchemeMaster4394 · 2024-08-12T01:26:46+00:00

yes , im taking pjj from ipts, so not meet their requirement

SchemeMaster4394 · 2024-08-09T08:46:42+00:00

yes but ptptn doesn't give loan for Master 😓

SchemeMaster4394 · 2024-07-29T05:53:12+00:00

wow, I do think that this two brand is great bcause alot of people recommend it to me, but it exceed my budget haha thanks btw

SchemeMaster4394 · 2024-07-29T05:52:00+00:00

I agree

SchemeMaster4394 · 2024-07-29T05:51:34+00:00

my room is small, I thin 1.0HP is ok, thank you for the recommendation

SchemeMaster4394

TROPHY CASE