how do you manage your money ?

i'm married and we have a baby and this is our formula... welive on 65% of our income, we put 10% on savings, 15% on investments and 10% on tithes... we live within our means ... if need to buy something we save for it because my husband don't believe in credit... he has a CC we rarely use and if we happen to use it we pay the full amount at the end of the month. we live a simple life... we eat healthy food, my hubby is a health buff, he is into organic and free range stuff. We go out on a date once a month. It used to be once a week when we don't have our baby yet. We used to go on holidays 2-3 times a year during our honeymoon period but now that we have a baby we only go on holiday atleast once a year. if and when we need to buy appliances or furnitures, we buy what suit our needs, it doesn't have to be the latest trend, as long as it could satisfy our specs. it doesn't matter if its more expensive at that time because we know we're not gonna change it in the next 6 month or so to keep up on the trend, we only change what's broken, if is still working fine, we live it alone.

Yes, I used to spend to the maximum of 60% to 70% of our earnings every month. I use to spend around 30% to 40% towards Savings. I never encourge for any of unnecessary expenses.. We have our own vehicle for use, So, there is no vehicle hire charges.. Since the Petrol cost get go on increasing, we find the alternate for our vehicles also now. Because our fuel expenses will be around 8% to 10% our earnings. We use to go out may be once in a month for hotel for dinner.. We are concentrating on increasing our savings in the coming months.