money management

i was listening to radio a few days ago when the DJ talks abt this topic.

they asked listeners to call in to ask them if they are Yue Guang Zhu (Month Empty Gang).

there are this group of listeners whose household earning are abt $8k-12k (2 parents). they admit they are part of this gang. actually i was quite surprise. they said they paying installment for the cars, house, children education, etc.

the funny thing is another group of listeners also said they managed to save a bit but their income is abt $4k-6k! The difference is about half lor! how could this be?
The latter also paying for house, kids. Maybe not the car. But the difference is so big lor. weird right?

For me, i am also a YGZ.
4 yrs ago, i only took home $800+ for my first job. i still managed to find money for my insurance, my studies.

But as i got more, i found that my expenses also increase. my accounts is always divided into 2 accounts: normal expenses eg food and transport and ex-ordinary expenses such as opera fees, sch fees, share losses, etc

For normal expenses, there is an increase of more than 20%! Maybe at that time, i only eat 2 meals outside. Now i eating 3. hm... maybe i should consider GST hehehe...

i normally close 1 eye for ex-ordinary expenses as they are extra-ordinary mah. only came once in a while mah. Eg if u go overseas to travel, surely u wont say 'i not going to spend!' else u go oversea for wat? go there see how round their moon is?

So... does it mean, e more u earn, the more u spend? or u juz not earning enough.