Hey Habits,

Its been years that you leave the forum Without saying Goodbye( shedding tears) 

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Good to see you back and Hope you'll stay again .

And also Apply to 777coin again,now there is no issue in delay payment every week,because the payment is being made every month  and i know you are use to that LOL and last time more than a month .

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@boyptc has already shared the link in which might help you with this, But the Basic Rule In Budgeting is never Look about how much the Incoming funds ,Instead Spend only 70% of it and the remaining 30% will be allocate for the Future of the Children and your retirement. and do this at any cause .If you and wifey survive that set up for 5 years ,then your Family will be safer forever .