Im not a worker yet but on my understanding about your situation maybe you didnt handle that much your money try to use it more wisely like when taking a brand of foods use more cheapest but the same taste some of the products in the world is we are paying for their names no actually on what quality that theyre product has. try to save mo electricity just be wise on using all of your thinks in your house or your selves.  other people dont have that kind of salary but they manage to get save atleast 75% of their money.