Personally, what I do with my income is to ensure that I will follow my budgeting goals. This is how it looks like, 10% tithes, 10% investment, 10% emergency money, 10% for my self (anything I want to do or buy) and the 50% would be for the utilities, all the payables, allowance and loans. It is not easy to follow since there will be times when the 50% would not be enough for all the things you need to pay for the month, plus you really have to be disciplined and have a strong focus on your goals.