14/11/2025
INCOME, EXPENSES, SAVINGS AND INVESTMENT
Where an average man typically spends his money. Most guys have a handful of places their money disappears to every month. Let's examine a simple and a realistic breakdown:
1. Rent or mortgage – Keeping a roof over your head.
2. Utilities & bills – Electricity, water, internet, phone… all the grown-up stuff.
3. Food – Groceries, quick lunches, and the occasional takeout when you’re too tired to cook.
4. Transportation – Fuel, car maintenance, or public transit costs.
5. Health & fitness – Gym membership, health insurance, vitamins, occasional checkups.
6. Personal care & clothing – Haircuts, grooming items, clothes, and shoes.
7. Savings & investments – Future you will be thankful.
8. Debt payments – Loans, credit cards, or financing.
9. Entertainment & fun – Movies, dates, hobbies, streaming subscriptions.
10. Miscellaneous – The random stuff that pops up (gifts, repairs, little emergencies).
Let's do a Simple Monthly Budget (in percentages)
A clean and realistic way to spread your money:
First and foremost, remove your savings and Investment funds of *20%* from your income before spreading the balance. This is where financial discipline is needed to better your tomorrow.
Category Percentage
======== ==========
Rent / Housing = 25%
Utilities & Bills = 8%
Food =15%
Transportation =12%
Health & Fitness =10%
Personal Care & Cloth.. = 8%
Education = 8%
Debt Payments = 8%
Entertainment & Fun = 5%
Miscellaneous =1%
Total = 100%
You can make adjustment to accommodate your expenses but don't joke with the implementation.
Now, let's be realistic. Pick up your pen and paper to prepare your budgeting following the sample above. You will be shocked to discover that you have been over spending in some areas. A hidden reason why you seems confused financially and the more reason people who practice financial discipline are called stingy mostly by nowadays girls.
