managing money is a good habit and must be developed since early ages. i learned it the hard way. up until i was 31 i was penniless. my salary spent for everything that is not really important.
since 2 months ago i finally can save money. the proportions are 30% of salary goes to savings, 30% goes to insurance, 20% goes to my family, 10% goes to my daily spent like food and cigarette, and another 10% i leave it be as emergency funds