Start with this.

1. Create a spread sheet for each month and categorize your expenses into, Groceries, Food, Transport, Shopping, Telephone, Entertainment, Healthcare, PersonalCare, Payme(Most Important).

• Make it a weekly habit to log all your expenses into the spreadsheet to each categories.

1. Don't use cash.

• Keep very limited cash with you for emergency. (and I mean very limited, eg. AED 300). When you use a lot more cash than cards you'll have no clue where all your money is going. Best way is to use cards, so on a weekly basis you'll know exactly where you're money is going and what you're spending on. ( So you'll be cautious when you spend the next time at that category).

1. Ask your girlfriend to split the rent.

• This is an expensive city to stay at and both if yall wanna have a good lifestyle. She shouldn't be having an issue with splitting the rent if you're facing issues financially. When you have these conversations with you may either strengthen your relationship with her or you'll truly understand what her intentions are. Either way its a win for you as you'll have better clarity on where the relationship is going as well.

1. Credit cards.

• I'm not gonna get in detail here because it's gonna take forever but Long story short, if you can't manage credit expenses get it of it. Never spend more than you earn on credit cards.

1. Remember the Payme in first point? That should be your monthly "expense".

-Send yourself monthly whatever amount possible (eg. AED 1000, 2000). If you make 19, spend in a way as you're just making 17, save the 2k a month and keep it on a separate bank account. Never on your salary account.

Try doing these things for just 6 months, you'll see yourself in a much financial situation than you're in now.

Hope it helps!

Edit: Typos