[Willamshakspear]

Paying for fantasies are not cheap. For the average salaried Sporean, it can be costly. One trip is never enough, more so when companionship is instant unlike real life where serious relationships need time & cultivation, sometimes as long as 3mths or a year before physical intimate exchange happens, as most Spore females are more conservative & careful before giving their heart away, to the right man who can take care of her for life when her looks fade away & bogged down by kids & their future.

One trip to a massage parlour will set back one by $150, or $200 at pub individually. Twice a week to satisfy loneliness & companionship cravings will set back one $1,600 a month. Doesn't seem much, but when other expenditure are factored in - house & care mortgage, living expenses, etc, it can be staggering.

And worse if extra tips, gifts & other monetary demands are made by the nightlife operator, which can go beyond one's average salary, driving one into loans & deeper into debt.

Thus, when one is in such a position, do not despair or panic. Nothing is impossible. 1st is to acknowledge the mistakes made, then take corrective actions. Go into 'cold turkey' mode - end the nightlife fantasy priority.

2ndly, prioritize all other expenditures. If need to sell the car at a loss, so be it, than to go deeper into debt.

3rdly, take NO more loans from banks or licensed moneylenders, as it needs to be paid back with interests & in short time, which will be hefty chunks out of one's salary. Talk to lenders, & try to work out debt consolidation schemes or debt rationalization to pay back loans. They too, only want their money back-a priority to them than Court declarations.

Thirdly, in 'cold turkey' mode - cut down on cigarette, alcohol, expensive meals, etc. One pack of maggi mee costs only 40cts, as compared to $3.50cts for a plate of chicken rice at the hawker centers.

There is no need to be ashamed for such actions. What will be shameful will be to continue to take loans, living beyond one's means, harming oneself & loved ones, or worse-resort to criminal activities harming others or destroying one's own precious gift of life...

Cold turkey action will NOT be forever, but only to stabilize the financial aspect for mistakes made. After all debts paid of, often within a few months, one will be free again, & wiser.

Do not envy those born with silver spoon. Reality is not what it often appears to be. The real wealthy got rich by savings, not by wild spending. Behind their affluence, there are often complications far more than the average human has to bear. In terms of debt, the average salaryman's debt are often only 4 figures. For the rich, it is often in bewildering 7 figures, & may be near impossible to pay back in one lifetime..

As long as one work hard & smart, have an honest job, have some savings, one can still afford a quality of life in Singapore & with dignity that no mortal can take away from you.