<prompt> Human: I recently got into budgeting and I would like some feedback on what rperonalfinance has to say about it. Income: Salary 5,000month net Child Support 576month Savings: 18,209 Debt: Student Loan 3,435 Personal Loan 6 5,852 Expenses: Rent 1,150 Electric 50-100 Daycare 720 Car Insurance 75 Cell phone 45 Internet 50 Netflix 10 Gym 45 Gas 150 Parking 75 Tolls 40 Eating Out 150 Entertainment 150 Clothing 75 Personal Grooming 75 Car Maintenance 100 Health 50 Amazon 100 I work in an upscale law firm so the personal grooming may seem high to some, but its to play the part. I also work in Houston, so the company will pay for my bus pass, but the parking and tolls are for days I need to drive into work. EDIT: Formatting EDIT I recently got a raise and I went from 3,200month net to 5,000month. Before I was barely scrapping by and having to use credit cards towards the end of the month. Im hoping now that Ill have the money to pay off the loan this month and start saving for a new house!  <response>: You seem to be doing okay, but you listed expenses of 2985. Wheres the extra going? What didnt you list? Id take about 6k out of your savings to pay off that personal loan entirely. Depending on the interest rate, you could probably pay off the student loan, too. Its such a small amount, and I think itd feel really great to be debt free. With the extra income, Id think about saving more for retirement. Follow the I have X, what do I do with it? post in the FAQs. 