Hi
Dear Ronitji
Let me put my 2 cents
Rule of thumb
1 -Your mongering expenses should never exceed 10 percent of your total income excluding taxes ( take home money after paying income tax )
2- second rule of thumb
Never forget Rule 1
Now how to keep rule 1
Let me tell you Ten Commandments of Mongering
First
get your finances sorted out
Which means get your necessities sorted out
1 -have a good health insurance for the entire family including for critical illness
Health care expense is the most important cause for financial planning going out for toss
So make sure ,you cover this first
2 -book a own house
Any where in Mumbai or outskirts of Mumbai or anywhere in Nasik or Any dam place where you will live after age 60
But Book it now and start paying EMI
3 -Keep money for children education separate
Once you do these three things covered then u feel less guilty about spending on mongering
So do these things on priority basis and then u will feel relaxed while mongering
Second
If you want to spend more then EARN More
How to do that ?
Use your skills
I will give you an example
One of friend is working in IT sector
He is good in maths
He teaches in coaching classes for tenth students to earn additional money for Mongering
Another known monger ,
Dose a small scale business of a small restaurant in addition to his routine job to earn extra money
So bottom line is open your eyes
Another friend has stated a small gym in his home town
There are so many examples
Use your skills and earns more
it is not difficult
Every one has them
Just look for itv
Third
Spend time with family
If u have seen
Most of us don't monger on weekends as it is compulsory family time
This leads to reducing carving for mongering and limits expenditures and off course it is necessary to keep balance between family and Mongering
It helps to have a long term mongering
If u have happy family ,u can have happy mongering
Fourth
Don't just be a monger
Be all rounder
See Angelo plays football every Sunday
PC goes for morning run every day
Bro Do some Gym if you are young
It helps to keep you fit and keep mind occupied
And off course it helps in mongering Also
See the Biceps of Devil bro
If u r well maintained then it works to attracts the babes
Isn't it ?
Fifth
Mix Db with MP and spa
Once u remove water in spa or MP ,carving for Db reduces at least for some days
( At least for people of my age with less libido due to age )
It is more economical to remove water in MP than in Db
Try out NL and Ch also in between
Sixth
Don't get emotional attachment with any Db gal
It leads to havoc of spending with zero results
So don't you ever do it
It is total waste
Devil bro ..are you listening?
Seventh
Don't compete with any fellow monger in Db or Ob
Just do what u want to do
And let others do what they want
See mushik Bro
He comes and sits in the corner of Rasna and talks to his babe and talks for one hours and drinks his beers and goes home
No making gal dance
No extra show off
He spends good time and goes home and never copies what others are doing
This is most important thing
So many people overspend as they see others spending and want to compete
Don't ever fall for that trap
Eighth
As deep bro as said already
Monger in group
But choose your group wisely
Some times gruop mongering leads to peer pressure and over spending
But most of the time it is a good thing if u get good group
Nineth
No credit cards or debit cards in Db
Spend cash withdrawn from ATM
So that expenses are automatically limited
I hope this helps to control splendid
I stil don't use credit card in Db
Tenth
Most important
Always dream
Always desire
Always carve for happiness
What's there in life if there is no Desire
Isn't it ?
Happiness is not just Sex with Db gal
Happiness is to sit in Ob and see best of the gal dance without you soending anything
Happiness is sit in Db and listen to good songs and watch nice babes in choli and sip the beer on the rainy evening
Understand mongering is like Pickle
If u eat only Dal chawal then there is no taste to it
So u need some pickle along with it
But u can not have only pickle for food
Isn't it ?
So learn to have balance
I hope these Ten Commandments helps you
Enjoy
Uncle Sam