[deon]

Hi guys, I need some honest feedback that could help me turn over my life to be more proper.

I'm turning 29 soon. i've income of around S$9000 and some other bonuses probably 1-2 months of my salary.

I've issue with money management, despite working for the past 7 years with good income, i only have less than 10k SGD in my account.

I don't have insurance, don't have house, don't have wife, i'm spending money on food, gym, giving parent, dating, renting house (parent house too far from office), lots of nonsense subscription, volunteering, travelling, but NO alcohol/party/nightlife etc.

I'm planning to re-start my life , by making use of those income properly. How do i start?

- What insurance should i buy? and how much is considered "good" amount i need to put on insurance?
- What mobile plan or internet plan that worth the price?
- How many percent should i save per month?
- I don't know what else i need to focus to manage my money, should i hire people to do that? or just manage my own.

Sorry, it's dumb question.