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@donkeyhead Go carsome and auction off the car, you should be able to get back at least the remaining loan. Whoever offer below 50k for 2017 HRV, tell them to f off. Alternatively, you can consider doing grab yourself after work/weekends to cover your car loan. I assume of 9 years loan you're...

@donkeyhead Find out your fixed cost. If those can't be touch then don't. What's the variables? How can you cut from there? What kind if part time job is able to help you to increase your income? Side gigs, Event organiser part-time, teaching and etc. If you have additional time at night or...

@donkeyhead btw, do provide more insights. Why would you want to restructure your finance? How much you are roughly making every month? What's your expenditure? By the way, don't ever compare to others cause everyone is different. I have some friend who actually maxed out their loan, salary...