The title sounds harsh but it is absolutely true, the world we live in encourages debt, as everyone wants to impress others while they are totally broke.
The 20 50 20 method has worked for me to organise my finances so that I can have money to buy the things I need and have money to invest, as well as writing down everything I spend.
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That's awesome man. I follow something similar and keep on readjusting the percentages depending upon my expenses and income. That's the best strategy!!! Keeping a check on expenses goes a long way. Btw, where's the 10% going? I would understand if your wife/gf takes it away. xD
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