I earn a net salary of Sh41,000. This is how I allocate my bills; Rent-Sh8,300, Sacco-Sh10,000 (Sh5,000 saving and Sh5,000 loan), MMF-Sh5,000, Girlfriend and Brother-Sh4,000, Parents-Sh2,000, Electricity-Sh500, Shopping-Sh3,000, Transport-Sh2,000, Debt from fuliza- Sh5,000. Usually, I am unable to meet my goals after paying all the bills. I haven't yet furnished my house with any items due to a lack of a proper strategy. For the Sacco, I took a loan from my savings and bought some household items. Now half of the allocated amount goes towards repaying that loan. For the MMF, I use the 50 bob weekly challenge to boost, and have Sh5,000 as my average monthly saving amount. I now live paycheck to paycheck. Please help