hey there salleh... I am very confused how you can't get enough on QR15,000... that's above average on what people gets in these country with respect to expats... even if your company doesn't provide accommodation for you and car still you can afford to live with it no problems at all... of course these are my opinion only based on my experience... if you are living with other family... say 5 families in 1 villa... say you rented 2 rooms, 1 for your children and the other one is for you and your wife... it will cost you 3000/room it will be 6000 then + electricity & water around 500 is will be 6500 then. if you can't really afford a car don't bother to afford it. ask someone who can be of service for you... it will cost you around 300 then it will be 6800 now. plus school fees around 500 it will be 7300 now. you still have QR7700 in your pocket... let's say you can spend 1200 for food. still you have QR6500. QR6500 is what most of the people get here in qatar as their salary and they can save from it still... are you sure you can't live with QR15000 here in qatar? well, i don't think so... you should be thankful you will receive those amount of salary... it just how you take good care of it...