[This article was contributed by SingSaver, and has been slightly modified] From financial advice and government assistance to free meals, here are the resources you can use to get over a bad financial patch.

They say money is the root of all evil. When you’re low on cash and you’re at your wit’s end about the source of your next meal, or worrying about not having enough to tide over an illness, joblessness or other unforeseeable misfortunes, life can indeed feel a lot like hell.

It can be a very lonely road because it is a problem that is embarrassing and uncomfortable to discuss with others, let alone to reach out for help. But before you stress yourself and your family’s out further, know that there are organisations, charitable/religious groups and programmes out there that may be able to lend you a helping hand.


If You Seek Advice, Counselling and Support

Credit Counselling Singapore

Credit Counselling Singapore (CCS) is a non-profit organisation that provides help with debt or financial problems through education. How does one overcome money difficulties? How do you manage your debt repayments? CCS gives free informative talks — in English and Chinese — which is recommended as an important first step to getting the help you need.

More information may be found here.

Address: CCS, 210 Middle Road, #05-04, Singapore Pools Building, Singapore 188994 (Tel: 6225 5227)

Debt Advisory Centre

Debt Advisory CENTRE (DAC) provides similar support to those facing financial problems. With two centres, they aim to help individuals using a three-step approach: Advice, educate and research. DAC conducts various workshops and holds support group sessions if it’s emotional support you seek. You can read up on details here.

Address: Jurong Point, 1 Jurong West Central 2, #06-02, Jurong Point Shopping Centre, Singapore 648886 (Tel: 6416 3990) / 1 Pasir Ris Drive 4, #05-11, Singapore 519457 (Tel: 6416 3966)


If You Seek Meals

The Willing Hearts

The Willing Hearts distributes free meals to 10 areas including Ang Mo Kio, Bukit Merah and Houngang. Visit their website for more information.


The YWCA has a Meals-on-Wheels programme for the elderly that gives out free lunches to those in need. If you or someone you know who live in these areas — Banda Street, Bukit Merah View, Cantonment Road, Holland Road, Lengkok Bahru and Mei Ling Street — you’re eligible. They also have another programme that provides free nutritious dinners for children from low-income families. Visit YWCA to get more information.

Religious Groups and Organisations*

These religious groups and organisations provide free meals for the poor, elderly, homeless and other underprivileged:

• The Singapore Buddhist Lodge (17-19 Kim Yam Road, Singapore 239329) serves up a vegetarian meals from 7am to 7pm.
• The Central Sikh Temple (2 Towner Road, Singapore 327804) gives out free vegetarian Indian lunch daily.
• The Nativity Church (1259 Upper Serangoon Road, Singapore 534795) provides free breakfast and lunch every day.
• The Buddha Tooth Relic Temple (288 South Bridge Road, Singapore 058840) offers free meals from 12.30pm to 6.30pm daily.
• The Sri Krisna Mandir (9 Lor 29 Geylang, Singapore 388065) serves up free vegetarian food from 11am to 10pm daily.

*The list above appeared in the original Singsaver article. Below are some additions from Sam Choo on Hubpages

• The Lutheran King of Glory Church (9 Norris Road, Level 1, Singapore 208252) serves free meals every Sunday to Indian workers during its Tamil service. 
• The Tian Tao Temple at Sengkang invites foreign workers to its Sunday breakfast buffet.
• The Thye Hua Kwan Moral Society have meal centres in Toa Payoh (Blk 31 Lorong 5 Toa Payoh #01-663, Singapore 310031), Telok Blangah (Blk 3, #01-504, Telok Blangah Crescent, Singapore 090003) and MacPherson (Blk 90, #01-103, Pipit Road, Singapore 370090).
• The Catholic humanitarian group called Archdiocesan Commission for the Pastoral Care of Migrants and Itinerant People, or ACMI, feeds migrant workers three times a week at its premise (beside 24 Highland Rd, Singapore 549115). near the Church of the Immaculate Heart of Mary.
•  The Care Corner Seniors Activities Centre The Centre at (Blk 5 Lorong 7 Toa Payoh #01-131, Singapore 310005) serves free breakfast, lunch and afternoon tea for senior citizens.
•  The Free Hawker Meal Program is for needy residents living in Tanglin-Cairnhill area (you can apply for help at the Tanjong Pagar GRC). The program provides $36 worth of meal vouchers every month to needy recipients. You can exchange the $3 voucher for a free meal at selected coffee shops in Bukit Merah View and Henderson Road.


If You Seek School Textbooks

NTUC FairPrice holds an annual Share-A-Textbook drive. They collect and donate textbooks to school children from low-income families usually around the month of December. Check out the NTUC FairPrice site and their Facebook page for the next scheduled drive.

Books can be collected at these five centres:

Yio Chu Kang Secondary School (Address: 3063 Ang Mo Kio Ave 5, Singapore 569868)
Gan Eng Seng Secondary School (Address: 1 Henderson Road, Singapore 159561)
Changi City Point (Address: 5 Changi Business Park Central, B1 Atrium, Singapore 486038)
Warehouse Club (Address: 1 Joo Koon Circle, Level 2, Singapore 208539)
City Square Mall (Address: 180 Kitchener Road, B1 Fountain Square, Singapore 208539)


If You Seek Government Assistance

If you are seeking financial assistance for the elderly, or require parenting or disability help, the government provides a number of that you can call. Click here for details.


[This article first appeared on singsaver.com.sg, Singapore’s leading personal finance comparison platform, part of the CompareAsiaGroup. To see this article as it appears on their website, please click here.]

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