<prompt> Human: Ive posted in this sub a few times about various things but ultimately Ive been lurking for a long time and now I need some advice. So, Im 18, on 17kannum and Im currently saving half my pay check each month600 after income tax. I live with my fiancés family and pay minimal rent its 260mo or 320 on 5 week months at the moment but in my area if we were to rent a flat wed be looking at 450 each as the bare minimum. At the moment we contribute towards gas and electric bills but his parents cook food and we can just grab snacks from the fridge so its a great living situation but we do want to move out and have our own space.Before anything else I want to address that yes, I am 18 and I am engaged. We are not planning on getting married for a good few years yet realistically probably around 5 years and I know Im still young, but this post is not to discuss my relationship.So anyway. I have a holiday booked this Christmas which my savings are going towards at the moment I currently have just over 1k put away but the holiday itself shouldnt cost more than 700 so anything else is going to either be spent on enjoying ourselves or shopping and whatevers left is what I have to work with.Ive got estate agency fees to save for approx. 2-2.5k, an emergency fund and a weddingdown payment for a house as a much more long term goal. I dont know where to even start with this. Should I be making separate savings accounts for these things? And should I save as much as I can for one first, then when thats done save for the next thing, or should I contribute to them all equally? At the moment my thinking is to save the estate agency fees first of all and move out so the only thing Ive got to worry about is an adequate emergency fund of around 1k and the rest isnt imminent.In terms of savings my only experience was back when I worked at McDonalds and it took me a good year and half to save 700 and then I got myself a new phone and got people expensive Christmas presents cause I was younger and didnt have the foresight to think about anything like this.Sorry for the ramble. I feel like Im just not really smart enough financially to figure this stuff out on my own.  <response>: Emergency fund first, then figure out when you will need the other funds and how long it will take to save for each. 