Before I came to Hong Kong, I worked in a factory. I came to Hong Kong because I wanted to make my mother proud and to support my family. To get to Hong Kong, I took a loan from an Indonesian agency as well as a Hong Kong agency. I felt pressured as the amount of the loan was very high, and I would have to pay HKD$3000 per month for 7 months in order to repay the loan.
When I first came to Hong Kong, I had huge debts, as I did not know how to manage my salary. I learned of Enrich through my friends and since then, have learned how to speak up and say “no”. Enrich has taught me how to talk to my husband when discussing the management of our finances and why we should avoid taking loans.
I have also learned how to prioritize what I want to achieve, which is my children’s education. I am very grateful for my mentor Eliza, as I have learned how to manage my future plans and the importance of having the habit of saving money.
Before coming to Hong Kong, I was already HK$30,000 in debt. I felt pressured, as I wouldn’t be able to come to Hong Kong without taking out loans. Coming to Hong Kong with this pressure made it very hard to manage and budget my money, as almost all of my salary was used to repay my debts.
When I first arrived in Hong Kong, I was in debt. This debt was incurred and had been accumulated by my husband for years. After a discussion, we decided that I would come to Hong Kong because of the higher salaries offered in order to repay the debt. I felt pressured as I was unsure how I was going to repay the debt and how long it would take. I was also looking for things I could do in my free time on Sundays. I was browsing on the Internet, and saw a Facebook advertisement for the “Lunch and Learn” at Enrich.
Before I came to Hong Kong, I helped my parents to sell vegetables in the wet market. I came to Hong Kong to help improve my family’s financial situation, make my parents proud and to pursue my dreams.
When I came to Hong Kong, I had to pay HKD$21,000, which meant for 7 months, HKD$3000 was deducted from my monthly salary. My financial condition before I knew Enrich was a mess.
