Your household income of $8k pm is actually median income in Spore. So, you are doing ok. You own a flat, so you are ok too. You can even save $24k pa, which is very good. I know of people who earn much more than you but cannot save, in fact they even borrow. Why? Because they like to gamble, drink, party and womanise. All their money go down the drain with all these sinful activities.

You should feel happy, contented and grateful since you both have a job (some people are jobless mind you), have a proper home with good sanitation and hygiene (millions of people in this world are homeless or live in slums). Don't take all these for granted.