Have you just got your pay and after paying bills and all sorts and then you’re left with… 😵? And wonder what you spend most on or if you’re saving enough for an emergency or even your retirement? Fret not, you’re not alone. If you are depressed thinking about this and want to improve yourself financially, you can email me: vickiezoey@gmail.com to get this useful template to record your spending. Here are some snapshot of the excel sheets. I’ve broken down the rule of 50-30-20 so it gives you a better idea of where you spent your money mostly. Based on the 50-30-20 rule:- 50% should go to your essential needs 30% should go to your wants 20% on your retirement planning Check out my other websites:- www.Victoria-lim.com Https://Victoria-lim.planyourfuture.today