33-year-old Michelle Chong's world came crashing down when she received news of her husband's untimely death 💀 during Chinese New Year.
He had gone out to meet his friends while she stayed at home. Little did she know, that would be the last time she saw him alive. She was fast asleep when the bombshell dropped at around 2 am.
"I even told the friend not to joke about such a thing. I lost it after realising that he was serious. My life changed in a blink of an eye."
With two young sons under her care and a third child on the way, Michelle had to get resourceful after losing the breadwinner of the family.
"With my kids still young and another baby on the way, I told myself that I must be strong as I have to now play the role of both mother and father."
She turned to selling baby and children's products via Facebook Live, using her own savings to purchase the inventory. Fortunately, the response was good as her products like books, educational toys and apparel sold like hotcakes.
Most of her clientele is from Johor Bahru and Klang Valley. The young mother runs a one-woman show from her father's place in Taman Johor Jaya - conducting live streams, taking orders, packing them and sending the parcels to the courier service all on her own.
Michelle intends to explore other social media platforms to reach a wider audience and save up as much as possible for her eldest son's kindergarten fees before giving birth.
While it may take her day and night to tend to the orders, Michelle is happy that she is making an honest living without relying on anyone.
(Source: The Star)
Death is imminent yet we are unable to determine when exactly it'll occur. Hence, we should not underestimate the importance of planning ahead.
Here's some advice for you:
Life insurance: While premiums may be hefty, the payout is often a huge support in times of need, especially for the loved ones we have left behind. It replaces your income so your beneficiary could use it to cover essential expenses.
Estate planning: Take matters into your own hands and determine how you would like to distribute your assets after death. Without this, your family might not be getting your entire estate, at least not in a short period, at least 2 years. You may continuously update this as you accumulate your wealth and assets.
Will-writing: This realises the estate planning you have done and ensures your assets will go to your desired beneficiaries. With e-Wills, the process is much faster and more affordable now.
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