That's it dear, that's why you see some civil servants feeling exhausted when their salary is used within half of the of the month. It means they'll suffer for the next fifteen days before seeing another salary. But had it been they got other source of income they'll sustain even without salary stipend.It's a very bad thing for anyone to rely on just one source of income especially if that sort of income is a salary source of income because as a salary earner you will definitely exhaust your salaries even before the end of the month so it is much more beneficial when you have more than one source of income.