donate plasma?
donate plasma?
It seems to me your options are:
1) Cut and run
2) Stay in HK and find another job. However I think you are desperate to return home and I worry if you stay the stress levels will overwhelm you
3) Return home and find a well paid job that allows you to pay the interest and capital while allowing you to live
4) Reach an agreement with the credit card company to repay some of the money (not sure if they do that in HK).
Personally I would put your mental health above the profits of HSBC but I know that will be an unpopular view on here.
Best advice is to go look on reddit /r/personalfinance and there are tons of people in similar situations. Find what you need there
Again...thanks for all your comments. Good or bad or sarcastic in a way. For those who replied in sarcastic ways ---- you don't understand how your words are affecting other people. I certainly know the learnings I have to take that's why I am trying to fix things and that's why I am far away from my family and kids. Some of the words here are not helpful and you are affecting people's emotion.
I am not in the right state of mind and emotions in this crisis to accept words that aren't helpful and would even degrade me in any form. I presume these people who responded that way aren't educated enough.
You also don't have the right to discriminate other countries or whatever cultures. Clearly, you don't understand the situation.
I assume you are talking about me here. I'm very well educated. I also spend about half my life in the Philippines - which, if not the country of your home - has a culture very similar to it. And I speak from a perspective of knowing what that culture does to people and why, if you want to actually build a life for yourself and your immediate family, you need to break free from it. Sure, it's hard. But so is living with crippling debt.
@HK_Katherine - Might be best not to get into cultural issues, gets preachy and you're not going to be able to get many Asians, including myself to say "oh, I read this post on the interwebs, so I should not take care of my parents and grandparents and grandkids".
Multi generational and cultural programming is simply not fixable on the interwebs.
One final point - you also need to check that your employer did actually pay your MPF. There are some exclusions for employees who have been employed for less than 13 months. Your employer does not sounds particularly nice so you best ensure they honoured their obligations and didn't seek to find loopholes.
See below for what I mean.
http://www.mpfa.org.hk/eng/mpf_syste...sons/index.jsp
Well off White chick with no kids trying to change Asians mindset on not helping family/relatives out financially =
OK - get it from the locals then.
The Polite Way To Say No To Filipino Family Members - Culture - Philippines Expats Forum
or here.
https://economictimes.indiatimes.com...w/52585667.cms