Record and evaluation of family's expenditure for a month.
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if your salary is 45,000 then your expenditure is more than your salary you will more than never taking a loan for that expenditure so you groceries must not be more 12,000-16,000 max and school fees if you have child must be 20,000 maybe more or less and insurence, and donation not to be more than 3,500-7,000 thankyou
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