* Note all of your expenses - your fixed income [house rent, electricity, water, internet]
* With what's left - how much you want to save [ preferably 20% ]
* The amount you get after the deduction, you can spend that.
Kakeibo Envelopes
* Divide cash by labeling the envelopes
> Fixed expenses (food, rent, bills)
> Optional (take outs, shopping)
> Cultured (subscription)
> Extra (gifts, repairs)
[ Cosmo.ph ]
