Loan Reimbursement/Saving 40000 50% Better Half 20000 25% Parents for Expenses 9600 12% In Lawas Parents 1600 2% Siblings 1600 2% In Laws Siblings 1600 2% Charity 1600 2% Flexibility 3200 4% Note Flexibility factor will be distribute on need basis.Otherwise will save for extra curricular activity.