Do you also find yourself spending more on you payday?, or you approach your expenses differently?
In the past, I often shopped for whatever I wanted when I got paid, but since my economic situation is not good, I have been wiser in using my money, where I have to choose which items are more important and set aside money for emergencies.
Actually I like the way you plan your things, in the society I live in they normally pay them in every 30 days which is once a month, the way this people plan their thing is not helping them at all, because this also depends on the income they generated, truly what they paid them can not even cover for their feeding a month or even talk less of other things like for emergency purposes. So being a monthly earner in my society does not guaranteed the financial freedom but a key start for you to engage yourself in other activities to cover up your needs with out been indebted to anyone, in my side to be indebted is like under most that you have to be engage if you earn monthly because their is no time to engage in other things expect you forced yourself then you survived.