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Do budgeting % breakdowns apply globally?
The exact percentages depend on many things, not just location. For example, everyone needs food.  If you have a low income, the percentage of your income spent on food would be much higher than for someone that has a high income. Any budgeting guidelines that you find are just a starting point.  You need to look at your own income and expenses and come up with your own spending plan. Start by listing all of the necessities that you have to spend on.  For example, your basic necessities might be: Fund those categories, and any other fixed expenses that you have.  Whatever you have left is available for other things, such as: and anything else that you can think of to spend money on.  If you can save money on some of the necessities above, it will free up money on the discretionary categories below.   Because your income and priorities are different than everyone else, your budget will be different than everyone else, too.  If you are new to budgeting, you might find that the right budgeting software can make the task much easier.  YNAB, EveryDollar, or Mvelopes are three popular choices.