dear dear - monthly budget

have been working for about 3 years in singapore. still find myself running out of budget from time to time especially when encounter urgent cases. been thinking a way to solve it out for quite long, yet could not find the best way as urgent cases come one after one :(

1. reduce monthly monthly expenses

• nomore credit card, nomore movie, nomore dinner outsides (wuaaa... i could feel my shine shine is running to slap me from behind if she c this)

2. increase monthly income

• invest in fund - oredi invest using cpf, but dun forseen a high return (sometimes even lose, arghhhh) anyway, a long term investment plan, not a good solution if petty cash needed.
• invest in stock - been a bear market since last election in malaysia, think it is abt the time to step in. need expert's opinions as me still a noob newbie. anyone can help?!
• invest in housing property - also a long term plan, from the opinion from a great future-dad-in-law, market more than satuated as supply is much more higher than demard in JB, u could not get a return unless u could get a friendly tenant there.
• invest in plantation - as if i am a millionaire....
• invest in Red Island Cafe (IRC) - it has been discussed like a hot cake in the malaysia forum , i wonder it works or not. keep on monitoring or anyone can advise?
• invest in 4D, Toto, Soccer Betting - my shine shine will backsnap me if she find out :p

3. reduce probability of urgent cases

• pray to god tat my dad w0nt lose current job again
• pray to god tat my granddad is healthy and nomore shouting to c doc
• pray to god tat watever, watever and watever

in summary, i could still able to survive but never get rich :(