Muhammad Saqib 
Renting for fourteen years isn’t unusual for a government employee on a modest salary — it’s close to the norm. Take a typical case: a BPS-9 clerk, take-home around Rs. 38,000 a month, married with three children, living in the same two-room rented apartment since before his eldest was born. He saves what he can … Read more
Pakistan produces over 500,000 university graduates every year, and the formal job market absorbs only a fraction of them. For a fresh Computer Science graduate sending out application after application — 70, 80, sometimes more — the math rarely favors a quick response. One recent graduate hit exactly that wall: 70-plus applications between January and … Read more
Imagine your family has a Punjab CNIC, you live in Lahore, and you’ve always assumed the Sehat Card covers you — because that’s what everyone said, and it seemed logical enough not to check. Now imagine finding out otherwise at the worst possible moment: at a hospital admission desk, CNIC in hand, waiting for a … Read more
A retired school peon in Rawalpindi needed a heart bypass surgery last year. The question wasn’t really whether he needed it — the diagnosis was clear. The question was whether the family could afford it. His pension: Rs. 14,000 a month. No savings worth mentioning — retirement had stopped the salary, not the expenses. His … Read more
A cancer diagnosis rarely arrives with a price tag attached — the first conversation after the hospital visit is almost never about treatment options. It’s about money. In one such case, the oncologist had outlined three things: surgery, chemotherapy, a specific medication. The costs: somewhere between Rs. 400,000 and Rs. 700,000, depending on how treatment … Read more
What actually happens to a person’s income when a disability makes their existing job impossible to keep? For one former schoolteacher, the answer came fast. A road accident left him using a wheelchair. The school had no ramp, no accessible bathroom, no way to reach his second-floor classroom — and within a year, the job … Read more
Losing a household’s only earner doesn’t just bring grief — it brings an immediate, practical crisis: who pays next month’s rent, and how. That was the situation for one woman whose husband, the family’s sole earner, died of a heart attack two years ago. Three children, ages thirteen, ten, and seven. A rented house. A … Read more
Free rashan distributions tied to BISP and Ehsaas-registered households open every Ramzan, and often at other points during the year — flour, sugar, ghee, and dal, distributed at designated points to reduce food costs for eligible families. The catch is timing: these windows are short, and notification isn’t always reliable. One BISP Kafaalat beneficiary — … Read more
A private kiryana shop is convenient — familiar faces, home delivery, buy-now-pay-later on trust. It’s also, for most basic staples, running 20-30% more expensive than it needs to be. That gap is exactly what Utility Stores exist to close, though plenty of households go years without using them simply out of habit. One Karachi household … Read more
Every Ramzan, the same pattern repeats across most neighborhoods. The announcement goes out — subsidized flour, ghee, pulses, and sugar, distributed through designated stores and Utility Stores. Prices cut significantly. Stock limited. First come, first served. By day three, a large share of eligible families still haven’t heard about it. By day seven, stores are … Read more