u/arundhati006

I earn Rs 46000/month after deductions, and I've got a few commitments on the way. My split up so far has been:

RD - 5000/month for gold

Rent - 19k (I live with my parents and this is the only major expense)

Other expenses- 1500 approx

Savings- 20k

So far I've saved around 70k and my family has a debt of around 15 lakhs (no interest from relatives/friends). I want to pay off the debt ASAP and I want to buy a house in my hometown (costs 65-70 L right now) by the time I reach my 30's.

Any advice on how to attain these is appreciated.

Edit: DM's not welcome!!!