My first advise wud be change ur lifestyle. Kids kindergarten just send to gomen kindergartenm

Phone line use umobile cheap2 wan enuf, or webe

Unifi terminate terus. Tether mobile data enuf

Coway can terminate. Just buy philips filter at senheng sufficient for drinking water


Settle your ah long first

Followed by PL

Cc can settle last

Wat the hell u spending on man loan till that much. Ita lifestyle bro.. Lifeatyle

Change it or things will repeat again