I am 23 year old living in Pune, India. I earn 40k per month after all the deductions. Here is how i spend money. I live with my parents. My father is retired teacher , his pension is only 2.2K (Semi government school).I work as software developer ( backend developer) and I am working from home and office as well my office is in pune .

Here is my expenditure & investments structure.

1. Groceries 3 – 4k
2. 2.5k EMI (For Smart TV , Washing Machine)
3. 3k for health insurance 24 months policy (10 lakhs cover) (me and my mother)
4. 500–750 rupees electricity bill
5. 2k for clothes I like to buy clothes a lot.
6. 8k in mutual funds through SIP (5k in large cap , 3k in small cap)
7. 1k petrol ( I own shine)
8. 550 for internet bill.
9. 500 for father’s medicines.
10. food , party :- 2k
11. Learnings (courses , books , etc):- 1k

… and rest all the amount 2–5k depends on the monthly expenses I keep in a seperate bank account.