money not enough....

Lately seems that cost of living is hiking up due to inflations of food, petrol, and etc. The only stand still not moving is our salary! In this case, it means your saving ratio from your salary will be decrease, and even worst ... it might turn to no saving... and might worsen it turn negative when there is any accident happen... where there is no buffer to fork out the money to solve the accidental/ issue...

The more i think about the expense, the more makes employee like me feels worry...

We have monthly commitment that can not be avoided:
1.) at the minimum, 3 meals a day - cost increase due to sugar, poultry, flavour, etc price increase.
2.) monthly petrol
3.) monthly car installment
4.) quarterly car maintenance
5.) monthly house installment

Yearly commitment:
1.) Health insurance
2.) Quit Rent
3.) Cukai Pintu
4.) Car insurance
5.) Road Tax

Accidents:
1.) Car
2.) Sick
3.) House Repair

Question coming back, how shall we increase our income or shall we decrease our expenses? To answer this, I did reduce my expenses since day one i commit myself to pay house and car installment. After years' practice, it seems that no matter how much i tried to decrease the expenses, i am still not able to beat the speed of inflations ...

So, the only option that leaves to me - how to increase our income??

HOW? HOW?