Help! I cannot survive on Sh24,500 net salary no matter how hard I try

The envelope method ensures that once an envelope's cash is used up, you cannot spend in that category until the next budgeting cycle.

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My name is George. I earn a net salary of Sh24,500 per month. My expenses are as follows: rent Sh7,000, water Sh300, Kenya Power tokens Sh200, garbage Sh200, shopping Sh3,000, food and groceries Sh2,000, savings Sh4,000, money market fund Sh2,000.

Whatever I try, I just can’t seem to make my money work. My expenses are too many and I cannot survive on this salary and lifestyle. Some months things get so bad that I am unable to pay tithe or even buy things for myself. What can I do to change my situation?

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