Nicely planned budget you have there. It is always good to wear your thinking cap before you venture into spending.
You see, normally, some guys may make you feel like you are not yet there, never mind, just be focused and keep at your goal.
Many people become broke because they want to be like others whom they don't know how they come about the money they are spending.
Wisdom is profitable.
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Sure friend. I don't follow the crowd. I spend less and save more