Originally Posted by Unregistered

Hi,

Thanks for the suggestions. However, don't think they can work for us.
1. Will only sell house and downgrade to a smaller unit only as a last resort because price not attractive, no point.
2. Car left with less than a year's useful life, will use it. Will not be able to afford another one after scrapping current.
3. Driving taxi not an option due to various reasons including health.
4. Kids though in top school are among the lower rung due to those from better financial background having loads of paid outside coaching. Family background really plays a big part in the advantages better students enjoy. Eg. those who can afford to stay near school save on travelling time, apart from professional coaching. Giving tuition for income? They already have not enough sleep with the heavy workload and CCA commitments. As for Uni scholarship, we are keeping my fingers crossed, also our wish.
5. No money spent on smoking, drinking or gambling except on 4D, Toto and Big sweep. As we feel more desperate, we spent more on these, hoping for a windfall.
6. Never thought of retiring overseas. That means living apart from children and family members. Really don't wish to.