Since I’ve now got a paycheck that isn’t immediately eaten up by rent, I am doing the smart thing and divvying it up as soon as I get it. I made a pretty little pie chart to reflect my current divisions.
These percentages are subject to change; for one, after my emergency fund is fully funded, I’m going to increase my retirement percentage.
I’m also excited (in a weird way) to be beginning to feed the debt monsters. I have student loans that just sit there, increasing from interest. I’m not worried about all of them, because the interest rates are very low and/or they’re subsidized, but the ones with the scarier rates need to be fed some snowflakes.