月光族 or 发薪日光光族？

There are people who are 月光族.

For me, I am very poor on the immediate day of my pay check! 发薪日光光族？

On the immediate night of my pay day every month, I would:

• Transfer around 60-65% of my pay to my Joint account and personal saving account for investment and saving - pay myself first.
• Give 15% to parents as allowance.
• Take out a sum of few hundreds cash as food expense and put in cupboard.- this would be my pure food expenditure in hawkers, coffee shops, ntuc groceries for the months. Amount taken out would be dependent on how much I had left from last month.
• The rest will remains in daily account for stuffs like occasional credit card spending for entertainment, utilities, singtel, conservatory charges etc. 

Thus effectively, 80% of my pay is gone on the immediate day of my pay. Even if I want to overspend also cannot.

I live a poor but happy life! Delay Gratification!

I am 发薪日光光族.

Are you 月光族 or 发薪日光光族？

(sometimes I wonder how great would it be if I can be like my siblings, earned at least double my earned income but yet either don't give parents money or delay very long then give a bit and refuse to offer their place for my parents to stay. I would be able to save much more and reach my FF goal faster. I am just stupid. )