Housing allowance is for housing allowance and it's not there to be saved !!! Maybe the best option would be to get 10 000$ per month for housing allowance so you can save 6 000 and plus to get all other benefits...also per dime for layover is for you to spend on food and drinks ! Not to SAVE ! And why are you telling to this people not to come here !! Why are you here then ? Why don't you go home and be happy ! My GOD.