NOW: 60% to spend on immediate needs such as rent, utilities, food and other bills. (This percentage may be higher or lower depending on your situation)
SAVE FOR LATER: 30% to save for your future and the unexpected. Savings can go to an emergency fund and toward other savings goals. This will prevent further debt!
EXTRAS: 10% This can be spent on those items you would like to have. Use this money for things like shopping, spending on loved ones or home upgrades.