You must have a budget. Allocate your earnings in the order or priority to the mandatory expenses, such as taxes, repayment of your housing loan and the necessary expenditure for transport, food, utilities, telephone. Be frugal.
Set aside not more than 3% on your insurance and 10% to 15% as savings for the future. If you still have money left, you can use it for entertainment, holidays and splurging,
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