Sir, I agree with your point here `$300 should be roundabout approximate number for monthly living expenses (and like you said, not counting marda-parda garne ta chadai cha and sabaiko aa-afnai paristhiti huncha). I wanted to get an honest opinion from friends like many here who posted already. I saw this metamorphosis from 'give man a fish' albeit that phrase cannot literally be applied because we support our ailing / retired family. But somehow only recently I had noticed that free cash is doing no good and the relationship between perception of doing financially well and demand for cash is directly proportional. Different people have different way of dealing with the 'finance' question but I thought some of us, like myself, might be slipping that slippery slope called 'free money' and 'habit'.