Thank's for your suggestion
that help me to manage my money

before i know Bitcoin my salary only from office (real work/not online) after i know i can earn some amount from bitcointalk (signature campaign)
i get 0,035BTC/week or 0,14BTC permonth

im not think about cash reserves- medical insurance, retirement, life insurance etc. after i reading i will save my money from bitcointalk to do it

I think 0.07/month is enough to it