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Consider the complexities in tackling poverty to avoid superficial solutions that assume the root is the lack of skills or wisdom to make certain choices, says one social worker.

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SINGAPORE: Charis, 24, and Alan, 45, was a couple who sought help from my agency. They married six years ago and have a young child, who is 5. While Alan is gainfully employed and earns a decent salary of S$2,500 a month, the family of three struggles financially.

They have no savings but sustained debt, amounting to approximately S$5,000. It appears that the couple lacks the wisdom to budget, and had not been prudent in their expenses.

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