Be the KEY to a Family's More Secure Future

With your support, CCS can journey alongside families as they reduce debt, strengthen their financial capability and improve their readiness for home ownership.

More than 9,000 families¹ live in rental housing, hoping for a home of their own. For families weighed down by debt, repayments can make that hope harder to reach.

With your generosity, they can move closer to financial stability and a place to call home.

These families need specialised financial guidance, appropriate debt-management support and opportunities to strengthen their financial capability so they can overcome debt barriers and build a more stable future.

We know that the right support can make a difference

In a recent pilot, philanthropic funding enabled us to support lower-income families through personalised financial coaching, group learning and matched debt relief.

Families continued making their own debt repayments, while philanthropic funding matched their efforts to help them reduce their debts faster.

All 15 families who completed the pilot reported improved financial well-being and capability, while 60% reduced their debt by more than half.

We now want to reach more families. Lasting change, however, takes sustained guidance and support.

Help us reach at least 50 families

We are raising funds to extend this support to more lower-income families in new programme runs.

Your donation will contribute towards our goal of helping at least 50 lower-income families strengthen their financial capability and prepare for home ownership.

Over 24 months, your support will fund:

✅ Personalised financial coaching to help families understand their finances, set realistic goals and make informed financial decisions;

✅ Group financial literacy workshops to strengthen financial knowledge and sound money-management habits; and

✅ Debt-management support, including creditor engagement where applicable, to help families address their debts and work towards greater financial stability.

Together, these interventions can help families strengthen their financial foundations and move towards greater financial stability and, ultimately, their aspiration of owning a home.

Give today. Be the KEY.

Note 1: MSF, Supporting Lower-Income Households Trends Report 2024, 19 Nov 2024.

You can make your donation through bank transfer, PayNow or Giving.sg.

Every gift matters, and we are grateful for your kindness and support.

To donate via Giving.SG, click here to be directed to our campaign page on Giving.SG.

For bank transfer or PayNow, please complete this online Donation Form to help us verify donor details, acknowledge your contribution and maintain proper records in accordance with our governance and due diligence requirements.

After submitting the form, you will receive an email with instructions on how to make your donation via bank transfer or PayNow.

Tax Deduction: Qualifying donations of $10 and above are eligible for a 250% tax deduction. If you wish to receive a tax deduction, please provide your NRIC/FIN (individuals) or UEN (organisations) so that CCS can submit your donation details to IRAS.

Matching Grant: Donations received from 1 October 2026 to 31 March 2027 are eligible for matching under Tote Board’s Enhanced Fundraising Programme, subject to its terms and conditions.

Use of Donations: Any funds remaining unutilised by 30 June 2030 will be used to support CCS’s operations in delivering its general services and programmes.