5. Set a budget
Allocate a limit on expenses, know all areas of expenses from food, rent, electricity, water, shopping and other things related to spending. Once you set all of your spending limits, make sure to follow them and do it because everything will be ignored if you don't do it.
Do you know that no matter how you tried to set a budget must still encounter additional expenses why?
Because you can't predicts when you should be sound health or ill health, at this point if you expenses were calculated or brought out for the month and you removed all then keep the savings do you mean that you won't take care of your health or that of your wife and children?
No you must in as much you have already involved yourself in family way so you spend when you don't want to spend your money, and sees more problems comings either from your personal family or from your in-laws family's provided that you are married you must encounter expenses.