Hi @angiechin28 ...I can relate to what you are going through. If you read some of my previous posts I wrote a little bit about my struggles (health, my hubby's business failed, having to move to KL, most of all trying to stay afloat financially). It's very very tough. I cashed out some of my SBD a couple of days ago to pay for my medical bill...and that's the last $ we have till early next month. Hang on there and don't feel bad about reaching out for help. I know how it feels. I am donating a little SBD your way...it's not much but I am trying to pay it forward. Take care :)