5000 after tax( per month)

expenditure (in avg)

T-pass-70

resturant-food-grocery( i don't drink by the way) -300

shopping -300

phone -40

ghumgham/misc-290

home mortgage= buda le tircha -

saving

4000 K  per month

for budeskaal=401 K 

tesaile sathiho belamai padera ramro job garera basna parcha....ghanta hana lai priority na di kana...