Advice to manage my take home $ 3.3k assuming emergency funds saved, insurance settled. Mortage i plan to 50 cpf-50 cash.

I guess your cash for housing is because you want to reduce the interest paid. I personally used CPF o pay for everything but I am half a mind using cash because since I did not really invest back then. What I would do is to pile everything together to quickly pay off the debt before I save and took up another debt.

Go for 100% cpf for mortage until tor income is higher. Plan out your monthly budget according to your lifestyle, and save at least 50% of take home income.