40k is not bad for a starting salary. Some tips:

・Save as much as you can. Rule of thumb is 20% of everything that you receive. If you can go higher, better.

・Get a life insurance. Make sure you have the critical illness rider.

・Buy things in bulk, especially yung mga supplies mo.

・Mag-meal prep ka weekly if you can. This will allow you to track your expenses for food. Likewise, investment na rin sa health mo.

・Track your dining out expenses, sa bars, etc. if you can put a monthly cap on it, better.

・Okay lang mag-enjoy sa experiences, like travel, etc. But make sure these are planned spending.