My average monthly cashflow are as so: Necessities: ~30%. Non-Necessities: ~ 5% to 10%. Endowment Savings: 7.4%. Investment: 22.6%. Insurance: 11.9%. Leftover Savings for Bank: ~ 18.1% to 23.1%.?

The above is % of my current take home pay, based on the past 3 months (Jul20 - Sep20) when I started tracking my expenses. My gross pay (pre-CPF) is between 3k and 3.5k for reference.

While I think I am doing fine now, I am single, hence not spending on dates, with no big commitments other than family allowance which takes up more than 20% of my take-home, under Necessities. I worry about finances in future (going on dates and getting a flat).

Please advise on how I can manage my $ in future.