To those who have pension every month, they must list down their monthly expenses. How much goes to the food and transportation, the electricity and water bills must be written down for a proper accounting of monthly pension.I have seen people get paid like salary and still have nothing to do with the money, Because they don't have any plan of investing the money or going into a business, and at the end of it all they don't have any achievements. What advice do you have for people collecting pension every month.