The 50-30-10-10 Budgeting is a good starting point, but maybe you can try this budgeting method if you want to be more specific.
But what if you could spend them on other things that will give a positive return in the long-run, instead of spending on gifts and depreciating expenses?
Personal Finance should be “personal”. Match it with your needs.
Paying yourself first means to save first before spending.
If you are planning to start investing, what do you want to achieve?
What if you suddenly lose your job? How long do you think you’ll survive without asking for help from your family or friends? Some may