Give every shilling a job

A simple split many people start with:

• Needs (rent, food, transport, utilities, school fees, loan repayments): about half your income.
• Wants (eating out, entertainment, shopping, subscriptions): a smaller share.
• Future you (emergency fund, investing, debt payoff): at least 10 to 20%.

Your numbers will be different. If rent and family support take most of your income, that's real life: start with saving 5% and grow it. The rule that matters is this one: pay future you first, on payday, before the wants.