Managing budget

1. Save 10% from your monthly salary for monthly saving.
2. Keep a maximum of 40% of the gross salary for loan.
3. Maintain zero outstanding balance for your credit card.
4. Keep only 2 credit cards, at most.

Look at how much bank's finance charges you have been paying.....

Note: Whatever loan you extended to your family members, consider it as a gift.
          Don't expect paybacks. You wouldn't feel hurt.