Once you’re Back on Top...

Cosmopolitan (Philippines) - - You, You, You -

“Write a list of your costs each month—like rent, mort­gage, travel, util­i­ties, etc.—then add it up and take that away from the amount you get in your salary,” says Bir­tles. “Di­vide what’s left over by four and that will show you how much you have to play with each week.” You should in­clude a per­cent­age for sav­ings as part of what au­to­mat­i­cally comes out of your ac­count at the start of the month— no less than 10 per­cent of your pay.

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