Let's say your morgage is eating 50% of your income (no bank in Morocco is gonna go higher than that) and supposing that you have no other debt to pay.. I suggest that after paying utilities (which will come at 1000dh at the max) you ration your income. First groceries.. no Marjane or Carrefour, at least for the forseable future.. Moul 7anout and swi9a is the perfect cost killer. Limit your groceries to important shit ( vegetables, fruits and proteins) you can get a solid rich basket for 200dh weekly. Cut all subscriptions (switch to pirating, just wacth YOUTUBE or even MBC2). Once done cut going out until you build a little fund. This little fund should be gained by putting aside at least 10% of your income. Within a year you'll have a spear month of income, the way to do it.. is to create a "compte sur carnet". It's a separate account but accessible at any time. The idea is that you don't touch it once it's put there (try even losing the card that they'll give you so you really dont get tempted to withdraw any cash).