1. If you're Singaporean, apply for the CHAS card for the entire family. That will help with medical and dental expenses. 2. Explore ways to increase income. Upgrade yourself by picking up more skills, using skills future, reading books related to your profession/industry. See if its possible to look out for higher paying job. 3. Reduce expenses. Use an app to track expenses. Cut down on unnecessary expenses. 4. Focus on saving rather than investment for the time being. Make sure you have an emergency funds and insurance sorted out since you are the sole breadwinner.