There is no perfect percentage when it comes to the right income outflow for you and your family. Although, it’s an important budgeting tool there is no specific percentage ideal for each family.
A good income expenditure ratio is between one and a quarter and one and a half, because this means about one fifth of your income is not going out, but is being saved. If you have just one this means all of your income is going out, leaving no room for savings.
Saving may not mean much now, but if any unfortunate events occur such as loss of a job you will wish you had of saved for a rainy day.