3 major expensive things in Qatar
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HOUSE RENT-CAR/PERSONAL LOAN Installments-Mobile Bills & Eating out(totally depends upon u)
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So, Stick to house cooking instead of RESTAURANTS. You can have a normal cars like NISSA SUNNY/TIIDA, HONDA CITY/CIVIC etc which can save u alot.
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Use landline - landline calls maximum and avoid calls from your mobile.
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And i think you mature enough to plan your own savings