Very simple. Your nett amount received from your income/ salary, you must allocate into a different accounts according to different %

50% for your monthly expenses account

15% for Long term investment account - once you have allocated, please don’t use it as this will go into your retirement needs later when you are not working

15% for short term savings - saving for a while and use this account to buy your other need, like buying a laptop/ computer or saving for installment of buying a new home for your self. Any unuser money after a year, please put it back into you Long Term investment account

10% for play account- use this up toward the end of the month to motivate youself after a month long hardwork

5% for charity account-whatever you get, please donate some to the poor. This will help you to grow spiritually.

5% for Education account - you might wnat to use this moneyb to up grade yourself by getting a Mastrer degree in the future