Reply to What to do first? Debt vs Savings/Retirement

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Look into YNAB or Mint.  I haven't used them myself, so maybe others can chime in, but I think you'll find them helpful. And definately check out Dave Ramsey.  You can download his podcasts.  Very motivating.  [/quote]

Ok, I have Mint already but I realize I need to refine my budget and add other things that aren't fixed daily living expenses.  I like some of Dave's stuff but some of his views on housing are hard to adhere to here in the DC area. It's very expensive here. [/quote]

OP, here's an article on using Mint to help with budgeting: http://www.theluxestrategist.com/my-favorite-mint-tips-and-tricks/

Also, congratulations on paying off the credit cards!

My advice: Save @ 2 months of expenses in an emergency Fund (a savings account or Money Market Account that you would only touch in case of unemployment or a medical emergency). Then work on saving up enough so that you can buy an inexpensive, reliable used car, sell the very expensive car, and pay back what you owe on it. That will get you over $800 back in your monthly budget that you can save for retirement or to further beef u your Emergency Fund.[/quote]

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