Budgeting‿ an(d) spending

My name‿ is Nina. Two years‿ ago,│ I had‿ a lot of^{a lotta} debt,│ because‿ I spen(t) my salary in the firs(t) two weeks│ an(d) then‿ I borrowed money. I had three credit cards,│ and‿ I did not know│ where my money went.

Now I have‿ a budget. Every month,│ I write my bills,│ my rent,│ an(d) my food,│ and‿ I plan‿ ahead. I keep‿ every receip(t) for one month,│ an(d) then‿ I check:│ what was waste? Coffee in the morning,│ for‿ example. It was cheap‿ each day,│ but‿ expensive‿ every month.

My budget‿ is simple:│ 50 percen(t) for necessary things,│ 30 percen(t) for fun,│ 20 percen(t) to save. This year^{thish year},│ I have no debt,│ and‿ I have money for‿ a holiday. It‿ is not fun‿ every day,│ but‿ it‿ is calm.