:) Thank you Aunt Col. Very good and much needed advice!
Advice I have read, is to always put back and save 10% of your income for emergencies. I'm not as good at it anymore. But, what used to always work for me, was to pay my bills as soon as I got them, then save all else that I didn't need for necessities. I would over estimate my spending in my checkbook, when writing it down and under estimate my paychecks and what was left of them after purchases, so that I'd always come out on top and I'd have the money for emergencies and costly things. Say, if you were to do this for a few months to a year (give or take), you will be set for success. But, always hold enough back to enjoy as well, so that you can keep your head up. Just my thoughts.. Hope they help..
Thanks so much Michael, that is great advice! It's so important to enjoy yourself, pay the bills, and have little extra in case of emergencies, but hard to always balance that out.