money issues

Hmm, I do regular budgeting between every source of income I get (I do freelance so I don't have monthly paychecks) - I don't have a fixed amount of spare but what I do is the 50-20-30 rule! Whatever your income is, and for whatever time period, 50% would go to needs like bills and rent payment, 20% to savings and 30% to wants (aka spend however you wish on shopping, indulging etc).

The savings I have monthly always goes to my piggy bank as an emergency money for the family.

5% to 7% to spend on me, if anything left after the monthly savings, so not every month

Yes - I live within my means