A week before school opening, our “live-out” domestic help requested her month’s salary in advance. She needs to pay for the school uniforms and other school expenses for her three children, she said. I can’t imagine where she’ll get money for her family’s food that month. I guess she will be borrowing from friends or from the friendly neighborhood “5-6” usurer.

She has been doing this for the last three years since we contracted her, and as far as I can remember, all our house helpers have always borrowed around this time of the year for their children’s expenses. While tuition in public school is free, most of the other expenses for the students are not, including the uniforms, school supplies, lunch money, and transport fare.

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