we have to take our son and daughter out of kindergarten to stop us going under
That is seriously cringeworthy Captain.
I will be down $19,000 HKD a month
A large % of the population here only wish they made that much in a month and they manage to send their kids to kinder.
Maybe you could cut back on the beers in the plaza or buy your missus 1 less LV handbag this month instead of depriving your kids of an education.
Stop embarrasing the rest of the expat community.