How to spend one's salary

Q: I would like to know if there is any guidelines in the shari'ah on how one should spend their money/salary. Someone told me that it was the advice of one of the ulama that your income/salary should be divided into 3 parts:

  1. Charity ie discharging zakaat, qurbani and spending on ones parents etc
  2. For your living essentials and spending.
  3. Savings

What is muftis opinion on the above? Also I would like to know if a person can stop doing the above with no valid reason?

Bad dreams

Q: I am from Sui (Balochistan). I am 15 years old. Shaataan is always with me when I am sleeping in the mosque (I see bad dreams). Please under stand me and give me some wazifa for these things.

Comprehensive Dua for forgiveness

Q: I am having thoughts about all the incorrect duas that I made. I have thoughts such as what if this is not a sin. Here are some examples: I said that I must only stare at Allah or worship Him or not get a certain bounty and maybe many more. So I do not know whether these are sins or not. So please tell me the mininum needed for forgiveness and how will I be forgiven? Please be direct and I want it all to be completely gone. And tell me the minimum needed to be completely and defnitly forgiven.