<prompt> Human: Im very new to managing money, on my own for the first time: single, no kids yet, 25F, college-educated, currently at my first full-time job, an entry-level office job. Thank G-d, I live within my means and Im able to pay bills and manage my finances Google Drive Spreadsheets, traditional budgeting, but I want to climb higher, be more well-versed, make investments, play smart, etc. I read a bit of Ramit Sethis siteblog, as well as articles about finance on LifeHacker... like that says much, but its something.Incoming: Gross monthly income Im paid hourly, so if I work exactly 40hrwk 2030.72 oftentimes I work more -- and if Im at work less, welp, then Im paid less, but it usually evens out somewhere.I get 0 benefits at work: no 401K, health care, insurance, investments, retirement, etc.Paid vacation is when I would take off anyway; otherwise, Im ONLY paid for when I work one week I got paid for 39hrs, another for 41hrs 1min... yoi. Reality, I guess...ExpensesOutgoing planned budget: Minimal of 10 of my earnings go direct to charity so really, that leaves 1827.65 monthly Rent 525 25 utils Groceries max 400mo ie 100wk, which I dont think Ive ever spent. I do my best to be very thrifty. Thank G-d I have a full pantry and I definitely over-buy... just downloaded Out of Milk for that purpose ; Phone healthcare is paid for... at least for now, thank G-d. I often get rides tofrom work, so no car, car payments, maintenance, gas, tolls, etc. truth is, I dont even have a license! Sometimes I do need public transportation, so I take that as needed. 350mo or 87wk for extraotherbuffer shoppingclothes, misc expenses soap, eating out, etc. Debt 2800 total left 275mo sometimes I pay more, depending.Otherwise, other debts I have is just regular credit card debt, which I auto-pay in full monthly I have one credit card, since 2007.SavingsInvestments: Transfer at least 250mo into savingsIm currently participating in the 52 Week Money Challenge so as to put away a lil bit more.Most advice Ive read says to have 3-6mo worth of income in savings for emergency fund -- working my way up there, slowly but surely.I may have some other investments somewhere, but Id have to ask around to see whats the story.Goals: Stay within means Out of debt Earning more money Building up savings investments banking up money for down-the-roadSome questions...1. Thank G-d, I think my finances look pretty good. What can I improve? What should I stop doing? Any changes?1. I want to find an app that will give me a comprehensive overview of my spending habits graphs, charts, numbers, percentages, so as to keep my budget currentmake adjustments as needed. Thank G-d, I often find that Im under budget Hey, why do I have extra money around here?! and Id like to see exactly whats going on. Id rather not connect my bank account with the app.1. Tell me about investing, CDs, money markets, interest rates, APRAPY, credit different optionsrewards, openingclosing cards, Roth IRA401K the like... What exactly are these things? How are they used? Suggestionsideas for utilizing them to make more moneyplay smart, improve credit score, etc.?1. Im thinking about switching credit cards for better rewards, but not really sure if this would actually be beneficial to me andor my credit score. Thoughts?1. Im also considering switching to online-only banking for both checking and savings ie Ally Capital One 360 Any advice on this?1. Whats the difference between Simple Visa Bluebird AmEx Theyre both online checkingdebit?Any advice in particulargeneral is welcomed!Thanks :  <response>: I was thinking the same thing about the 10 as uaBoglehead, but its probably best to leave that alone. Us here on PF of course are always looking for the next corner to cut, but morally, if that is what makes you fulfilled, then it is important to keep it. However, I will say this. If you saved 10 of your income 2400 a year towards a retirement fund for the next 40 years 25-65, increasing the savings by 4 every year, you will have put about 220,000 into that account by the time youre 64, yet that account will be worth 850k-1.1mil.After that happens, consider donating the money you would have given to charity anyways, but now you actually have a decent amount for your own future. Put on your own oxygen mask before helping others.edit:typo 