To calculate the amount of money Aira has for personal items, we need to find 15% of her monthly net income, which is $3500.
\[ \text{Amount for personal items} = \text{Net income} \times \text{Percentage for personal items} \]
\[ \text{Amount for personal items} = 3500 \times 0.15 \]
\[ \text{Amount for personal items} = 3500 \times 0.15 = 525 \]
Aira has $525 for personal items each month.