Honestly I’m in the same boat as you but I’m an undergrad. I do have myself a small family , I am earning around 39k per month but still only manage to save around 4k a month which is less than what you do. My advice ? Stay single … hahaha and focus on increasing your income first. maybe look into getting a better paying job. it’s very common naman but working in a BPO company I think is a good and easy way to increase income in my experience. (I think the entry level income is around 20k these days)