1. Necessary expenses. I am talking electricity bills, food, school fees (if you are studying or have children), housing, healthcare, and transportation. I believe this group is where most of our money goes because we basically can't survive without these things.
Most people this is where their salaries goes. There is no room for spending to luxuries or some things that they want to spend to. And that's why if they want to do those things as luxuries, they are looking for another job. So, having 2-3 jobs are pretty normal nowadays and the first job is the one that pays for the rent and food. The second job pays for the bills and then the third job is what pays for those things that you want to do. It's a tough life nowadays, most don't look to work-life balance anymore but barely survives.