I also agree with longlongpapa, do exercise discipline and control. The HK typical lifestyle is not the only lifestyle that everyone needs to adopt. Try to think- are there any unnecessary expenses? Do you really need to go out to have dinner, lunch or breakfast. Do you really need to buy that cutie T-shirt for the kid? Are there any other options? No matter how difficult it is, I hope your situation would improve soon with better planning and control.