From your surplus income, make sure you make the saving you have committed to and then spend on whatever you have left at the end of it.
Ngeenge oho longelwa kEendombwedi, kala ho futu ovanailonga voye pefimbo, to va pe omuvalu woimaliwa oyo we va udanekela, noku va pa omauwa keshe oo a teelelwa paveta.