Explanation:
There things which a man needs like food, water, shelter, etc.
Savings : This aspect is necessary for helping us in crucial point. It can serve as an another hand on demand.
Groceries : This is most important component of every men and women for living. So it cannot be reduced.
Utilities : This is equally important.
Entertainment : This shows luxurious aspect and not a mandatory one. So the amount spent in this category should be reduced.
