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Just 2 years ago, it would have been unimaginable for 44-year old Miko Lew, a single mother supporting 3 children and elderly parents in-law, to be where she is today. Her husband had walked out on the family. Without a job or savings back then, Miko spiralled into depression as debts mounted. Unable to deal with the pressure, she approached MWS Family Development Programme (FDP) and met volunteer, Josephine Lim.

Just 2 years ago, it would have been unimaginable for 44-year old Miko Lew, a single mother supporting 3 children and elderly parents in-law, to be where she is today. Her husband had walked out on the family. Without a job or savings back then, Miko spiralled into depression as debts mounted. Unable to deal with the pressure, she approached MWS Family Development Programme (FDP) and met volunteer, Josephine Lim.

“Miko used to avoid opening her mail. She was afraid of seeing bills because she had no way of paying them. I worked with her to prioritise the ones to pay, and sought waivers wherever possible,” said Josephine. For every dollar of debt paid off or every dollar saved by Miko, MWS matched with $2 entirely from donations as there is no government funding for this programme.

“Miko used to avoid opening her mail. She was afraid of seeing bills because she had no way of paying them. I worked with her to prioritise the ones to pay, and sought waivers wherever possible,” said Josephine. For every dollar of debt paid off or every dollar saved by Miko, MWS matched with $2 entirely from donations as there is no government funding for this programme.

“Miko used to avoid opening her mail. She was afraid of seeing bills because she had no way of paying them. I worked with her to prioritise the ones to pay, and sought waivers wherever possible,” said Josephine. For every dollar of debt paid off or every dollar saved by Miko, MWS matched with $2 entirely from donations as there is no government funding for this programme.

Gradually, Miko cleared $2,000 in debts within 7 months. She then progressed to saving, receiving $2 from MWS for every $1 she saved on her own.

“I broke down with joy when I saw my savings grow from $20 to $1,000. I feel so much less stressed now and I can see a future, especially for my children. I am so thankful for Jo who has become a friend to me,” recounted Miko. 

Her resolve was further tested in mid-2021, when her salary as a receptionist in the wellness industry was affected due to the COVID-19 pandemic. When her youngest daughter was issued a quarantine order, Miko had to take 2 weeks of unpaid leave to isolate with her daughter. 

Gradually, Miko cleared $2,000 in debts within 7 months. She then progressed to saving, receiving $2 from MWS for every $1 she saved on her own.

“I broke down with joy when I saw my savings grow from $20 to $1,000. I feel so much less stressed now and I can see a future, especially for my children. I am so thankful for Jo who has become a friend to me,” recounted Miko. 

Her resolve was further tested in mid-2021, when her salary as a receptionist in the wellness industry was affected due to the COVID-19 pandemic. When her youngest daughter was issued a quarantine order, Miko had to take 2 weeks of unpaid leave to isolate with her daughter. 

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Despite the financial and emotional pressures, Miko remained positive, looking to Jo for support and spending prudently. She not only stuck to her savings plan but also managed to pay all her bills punctually.“Being on the MWS Family Development Programme has given me great peace of mind because I’ve got Jo to journey with me, and emergency savings to fall back on should I ever need. There will still be challenges in the days ahead, but I believe I will be able to secure a brighter future for myself and my children because I’m not alone,” shared Miko.

Despite the financial and emotional pressures, Miko remained positive, looking to Jo for support and spending prudently. She not only stuck to her savings plan but also managed to pay all her bills punctually.“Being on the MWS Family Development Programme has given me great peace of mind because I’ve got Jo to journey with me, and emergency savings to fall back on should I ever need. There will still be challenges in the days ahead, but I believe I will be able to secure a brighter future for myself and my children because I’m not alone,” shared Miko.

IMG_0589

“Being on the MWS Family Development Programme has given me great peace of mind because I’ve got Jo to journey with me, and emergency savings to fall back on should I ever need. There will still be challenges in the days ahead, but I believe I will be able to secure a brighter future for myself and my children because I’m not alone,” shared Miko.

IMG_0589

Despite the financial and emotional pressures, Miko remained positive, looking to Jo for support and spending prudently. She not only stuck to her savings plan but also managed to pay all her bills punctually.

“Being on the MWS Family Development Programme has given me great peace of mind because I’ve got Jo to journey with me, and emergency savings to fall back on should I ever need. There will still be challenges in the days ahead, but I believe I will be able to secure a brighter future for myself and my children because I’m not alone,” shared Miko.

Helping the Low-income Group Get Out of Poverty

The MWS Family Development Programme is a proprietary poverty alleviation programme focussed on asset-building and targetted low-income families in the bottom 10% household income group in Singapore. The primary aim of the programme is to create sustainable positive change by increasing the net worth of families through debt and savings matching. The programme provides holistic support through counselling and casework, befriending and financial literacy training.

For every $1 contributed by the families to reduce debt or to add to their savings, MWS will match with $2. Since the programme started in April 2016, MWS FDP has empowered over 500 families. These families who are released from debt experienced significant drop in stress and anxiety, and have greater emotional capacity and cognitive bandwidth to plan for the future.

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While we celebrate the growing number of many families we have the privilege to empower, available funds for FDP are projected to run out by April 2022. As there is no government funding for this programme, MWS relies entirely on donations to keep this programme going. Your support is critical to help more individuals like Miko overcome their challenges and build a sustainable future through MWS FDP and other life-empowering programmes run by MWS. Help them believe in a better tomorrow by donating today.

Alternatively, you may type UEN S81SS0088HMWS in your mobile banking app, or scan the QR code on the left. Do indicate “SeptApp” in the Reference/Remarks field.

If you require tax exemption, please state “SeptApp” followed by your NRIC and phone number in the Reference/Remarks field, eg. SeptAppS0123456A 90101010

Helping the Low-income Group Get Out of Poverty

The MWS Family Development Programme is a proprietary poverty alleviation programme focussed on asset-building and targetted low-income families in the bottom 10% household income group in Singapore. The primary aim of the programme is to create sustainable positive change by increasing the net worth of families through debt and savings matching. The programme provides holistic support through counselling and casework, befriending and financial literacy training.

For every $1 contributed by the families to reduce debt or to add to their savings, MWS will match with $2. Since the programme started in April 2016, MWS FDP has empowered over 500 families. These families who are released from debt experienced significant drop in stress and anxiety, and have greater emotional capacity and cognitive bandwidth to plan for the future.

Despite the financial and emotional pressures, Miko remained positive, looking to Jo for support and spending prudently. She not only stuck to her savings plan but also managed to pay all her bills punctually.“Being on the MWS Family Development Programme has given me great peace of mind because I’ve got Jo to journey with me, and emergency savings to fall back on should I ever need. There will still be challenges in the days ahead, but I believe I will be able to secure a brighter future for myself and my children because I’m not alone,” shared Miko.

Despite the financial and emotional pressures, Miko remained positive, looking to Jo for support and spending prudently. She not only stuck to her savings plan but also managed to pay all her bills punctually.“Being on the MWS Family Development Programme has given me great peace of mind because I’ve got Jo to journey with me, and emergency savings to fall back on should I ever need. There will still be challenges in the days ahead, but I believe I will be able to secure a brighter future for myself and my children because I’m not alone,” shared Miko.

IMG_0589

“Being on the MWS Family Development Programme has given me great peace of mind because I’ve got Jo to journey with me, and emergency savings to fall back on should I ever need. There will still be challenges in the days ahead, but I believe I will be able to secure a brighter future for myself and my children because I’m not alone,” shared Miko.

Despite the financial and emotional pressures, Miko remained positive, looking to Jo for support and spending prudently. She not only stuck to her savings plan but also managed to pay all her bills punctually.“Being on the MWS Family Development Programme has given me great peace of mind because I’ve got Jo to journey with me, and emergency savings to fall back on should I ever need. There will still be challenges in the days ahead, but I believe I will be able to secure a brighter future for myself and my children because I’m not alone,” shared Miko.

Despite the financial and emotional pressures, Miko remained positive, looking to Jo for support and spending prudently. She not only stuck to her savings plan but also managed to pay all her bills punctually.“Being on the MWS Family Development Programme has given me great peace of mind because I’ve got Jo to journey with me, and emergency savings to fall back on should I ever need. There will still be challenges in the days ahead, but I believe I will be able to secure a brighter future for myself and my children because I’m not alone,” shared Miko.

IMG_0589

“Being on the MWS Family Development Programme has given me great peace of mind because I’ve got Jo to journey with me, and emergency savings to fall back on should I ever need. There will still be challenges in the days ahead, but I believe I will be able to secure a brighter future for myself and my children because I’m not alone,” shared Miko.

IMG_0590

While we celebrate the growing number of many families we have the privilege to empower, available funds for FDP are projected to run out by April 2022. As there is no government funding for this programme, MWS relies entirely on donations to keep this programme going. Your support is critical to help more individuals like Miko overcome their challenges and build a sustainable future through MWS FDP and other life-empowering programmes run by MWS. Help them believe in a better tomorrow by donating today.

Alternatively, you may type UEN S81SS0088HMWS in your mobile banking app, or scan the QR code above. Do indicate “SeptApp” in the Reference/Remarks field.

If you require tax exemption, please state “SeptApp” followed by your NRIC and phone number in the Reference/Remarks field, eg. SeptAppS0123456A 90101010

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