Good post, your save first, spend later policy is very realistic. Saving at the beginning of your income rather than saving at the end of the month and having an emergency fund is very important for financial security. I really like the method of writing down each expense in a simple notebook by hand rather than a digital app; it helps to increase psychological control over spending. Due to the current market price hike, it is wise to regularly review and adjust your budget as you do. Good luck with the competition. I haven’t participated yet, but InshaAllah, I will. 😊