Once you can see your money, here is a simple target to aim it at. Out of every 100,000 you get:
50,000 to needs (the must-pays)
30,000 to wants (the fun — you are allowed fun)
20,000 to savings and clearing debt
It is a guide, not a law. A student living at home might have tiny needs and save far more; if money is really tight, savings might start at just 5%. The exact numbers are not the point — having a target is, so you can spot when one bucket is eating the others.
If your wants bucket is swallowing half your money and savings is empty, you have found both the leak and the fix. Move even 5,000 of that bundles-and-betting money into savings every week and — you just did The Time Machine — the snowball starts rolling for you instead of past you. In Mizani, set up your Budget to see where the money actually goes and catch the bucket that is quietly bigger than you thought.