There are people who are 月光族. For me, I am very poor on the immediate day of my pay check! 发薪日光光族？ On the immediate night of my pay day every month, I would:

• Transfer around 60-65% of my pay to my Joint account and personal saving account for investment and saving - pay myself first.
• Give 15% to parents as allowance. (sometimes I wonder how great would it be if I can be like my siblings, earned at least double my earned income but yet either don't give parents money or delay very long then give a bit and refuse to offer their place for my parents to stay. I would be able to save much more and reach my FF goal faster. I am just stupid. )
• Take out a sum of few hundreds cash as food expense and put in cupboard.- this would be my pure food ...

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