Steady Steps Scheme
Supporting Working Families on Their Journey Towards Financial Stability
Supporting Working Families on Their Journey Towards Financial Stability
For many working families, having a regular income does not always mean financial security. Existing debts, limited savings and rising living expenses can make it difficult to move forward, even with stable employment.
The Steady Steps Scheme (S³) is a programme that supports working families who remain financially vulnerable due to arrears & limited savings despite having regular employment. Combining targeted financial assistance with wraparound support, accountability & structured goal-setting, S³ helps families build sustainable financial habits, clear debts & strengthen their capacity for stability & self-reliance.
Who is this Programme For?
The Steady Steps Scheme (S³) is intended for working families who continue to experience financial vulnerability despite having regular employment.
Eligible families are those who have accumulated formal arrears and require structured support to regain financial stability while remaining committed to building savings and strengthening their financial situation.
Eligibility Criteria
Applicants will be assessed based on the following criteria:
Formal Arrears
The household must have outstanding formal arrears relating to one or more of the following:
- HDB payments
- Utilities
- Service and Conservancy Charges (S&CC)
- School fees
- Medical fees
Employment
Stability and Commitment
Assistance Provided
Eligible families will receive:
Monthly Cash Assistance
To encourage sustainable financial progress:
- At least 80% of the monthly cash assistance must be used to clear formal arrears and/or build family savings.
- The remaining 20% may be used to support short-term daily living expenses.
Monthly Supermarket Vouchers
Additionally, families will also receive supermarket vouchers each month to help offset the cost of:
- Food and groceries
- Essential household items
The vouchers are intended solely for the purchase of essential household necessities.
How to Apply
Applications to the Steady Steps Scheme (S³) must be submitted or endorsed by a recognised Social Worker, Case Worker or Partner Agency.
Families who wish to be considered for the programme are encouraged to approach their Family Service Centre, social service agency or case worker for assessment and referral. For enquiries about the programme, please contact us at [email protected].
Frequently Asked Questions
Who is the Steady Steps Scheme (S³) for?
The Steady Steps Scheme (S³) is a programme that supports working families who remain financially vulnerable due to arrears & limited savings despite having regular employment. Combining targeted financial assistance with wraparound support, accountability & structured goal-setting, S³ helps families build sustainable financial habits, clear debts & strengthen their capacity for stability & self-reliance.
What type of assistance does S³ provide
Eligible families receive:
- Monthly cash assistance, that must go towards clearing formal arrears and/or building savings
- Monthly supermarket vouchers, to further support daily expenses
Am I eligible to apply?
Applicants have to be referred by social service agencies or community partners.
You may be eligible if your family meets all of the following:
- Must have formal arrears (only HDB, Utilities, S&CC, school fees and medical fees)
- At least one family member must be employed continuously in a full-time capacity for at least one year
- Administratively compliant with submission of relevant documentation monthly