It sounds like you are in a challenging situation regarding your family's financial stability and your husband's self-employment struggles. It's understandable to feel concerned, but there are steps you can take to improve your situation:
1. **Open Communication**: Start by openly discussing your concerns with your husband. Share your worries about the financial situation and work together to come up with a plan.
2. **Financial Planning**: Consider working with a financial advisor to create a budget and financial plan that suits your current situation. This can help you track expenses, set financial goals, and manage savings effectively.
3. **Encouragement and Support**: Encourage your husband to focus on his work and perhaps consider seeking additional sources of income or diversifying his trading strategies. Providing emotional support and encouragement can go a long way in boosting his confidence.
4. **Assistance with Household Responsibilities**: If possible, you could take on more household responsibilities to allow your husband to concentrate on his work. This can help him focus on improving his income.
5. **Consider Loan Options**: Look into the various loan options available for self-employed individuals when applying for an HDB loan. Your financial advisor can guide you on how to present your financial situation in the best possible light to secure a loan that meets your needs.
6. **CPF Contributions**: While your husband may not have much CPF savings, maximizing your own CPF contributions can help strengthen your financial stability in the long run.
Remember, every couple's situation is unique, and it's essential to find solutions that work best for your family. By working together, communicating openly, and seeking professional financial guidance, you can navigate these challenges and improve your financial situation over time.
https://invl.io/cll6she
Read more