How do we pay ourselves first? If I save more every time I get my pay, I have a hard time to spend things which I need for myself etc foods and clothing’s. Any good blogs?

Start tracking your expenses. At the end of the month, review it and see how much you can cut. Then allocate your income based on this and aim to send a certain amount each month.
For example, if your take home pay is 2.5k, and your necessary expenses are 1.25k per month. You can aim to save 1.1k each month, leaving $150 (it can be more) as a buffer :)

Hi. I think It's more of priorities issue.

Like what Tee Ming said, use the seedly app to see where you spend your $.

Alternatively, you can do a simple excel sheet Ledger like this :

​

​

The current issue:

Notice if we do it the above way, we would be like current situations, all $ goes to pay for expenses and nothing left Because savings is whatever left in the red, in the end like the above example, as we placed it as the lowest priorities.

​

The way forward:

However, if we keep trying to cut the expenses (purple color item) on the right hand side, as much as possible, I've reduce the cost for you in the example below. If you need futher details, please feel to comments and ask further.

​

With the above, you can see tha by cutting expenses on all the purple on the right, and take NO GRAB at all but just public transport, we can manage to squeeze out $1057 as savings.

​

Now instead of putting "Savings" as the last on the left, make savings as an item on the right hand side just below Employee CPF or allowance to parents. this way you can further adjust and play around each item of expense on the right side such that total at the bottom will be almost the same for both Total of B and Total of D. __The key is to make sure you don't spend (Total D) more than you earn (Total B)

​

** Note that the above exclude insurance, emergency cash savings and also investment. Do get the above done first then add in on the right, insurance. After some time when your income increases, add in investment and try to cut the rest further.

​

*** Of course there's is so much we can earn only, do ask and read up more at seedly on how to start and do side gig to get a secondary income as a boost and backup for your income security.

​

That's how i started my budgeting journey! Hope it helps too ! :) Remember to keep to the above budget once you've set it.

​

Cheers!

​

Have two seperate accounts transfer your savings to the savings account first

​

use an expense app to track your spending for two to three months this way you will be able to see which areas need better Managment

Maybe pamper yourself occasionally from time to time (lesser savings). As per what others have shared, do your budgeting and most importantly is to make sure that you set aside some savings every month (can be a small amount) instead of spending it all