First save 20% ie 3,000 You balance will be 13,000 Investment 30% ie 4,500, Your balance will be 7500, Use the balance to cater for your basic needs such as shelter, clothing and food,don't spent a coin in luxury before you meet your basic needs first #properbudgettingbetterlife #failuretoplaninvitespoverty Be the change you need and embrace it