question recommend budgeting what strategies would you apply??

A. Cash flow analysis and net worth statement: Particulars Amount Cash flow from operating activities Salary 95000 Less: expenses 55000 Income from operating activities 40000 Cash flow from investing activities Repayment amount for debts (500+660) (1160) Bank interest Dividends 950 Cash flow from investing activities Cash flow from financing activities Nil 39990 Surplus B. Cash flow analysis and net worth statement: Particulars Amount Cash flow from operating activities Salary 95000 Less: expenses (55000) Add: Disallowed expenses 15000 Less: actual amount for creditcard (700) Cash flow from operating activities 54300 Cash flow from investing activities Repayment amount for debts (500+660) (1160) Bank interest 200 Dividends 950 Cash flow from investing activities (10) Cash flow from financing activities Nil Surplus 54290 A. Cash flow analysis and net worth statement: Particulars Amount Cash flow from operating activities Salary 95000 Less: expenses 55000 Income from operating activities 40000 Cash flow from investing activities Repayment amount for debts (500+660) (1160) Bank interest Dividends 950 Cash flow from investing activities Cash flow from financing activities Nil 39990 Surplus B. Cash flow analysis and net worth statement: Particulars Amount Cash flow from operating activities Salary 95000 Less: expenses (55000) Add: Disallowed expenses 15000 Less: actual amount for creditcard (700) Cash flow from operating activities 54300 Cash flow from investing activities Repayment amount for debts (500+660) (1160) Bank interest 200 Dividends 950 Cash flow from investing activities (10) Cash flow from financing activities Nil Surplus 54290