Most people don’t have a money problem, they have a money allocation problem. A really simple way to think about your take-home pay: 65% → the fundamentals Rent/mortgage, food, bills and everything you actually need to live. 25% → enjoy your life Eating out, holidays, shopping, drinks and the things you actually want to spend money on. 10% → future you Investing, building wealth and putting money towards the version of you that you’re trying to become. The point isn’t to stop enjoying your money. It’s to give every pound a job before it disappears. Because if present-you spends everything that comes in, future-you is always left with whatever happens to be left over. Save this and try the 65 / 25 / 10 rule with your next payday.👇 #moneytips #personalfinance #moneymanagement #budgetingtips