<prompt> Human: Hi, PF; long-time listener, first-time caller I just created this account for anonymity purposes and have learned a lot from you. Now I am looking for some input on my own financial situation.Heres what Ive got:Monthly Net Income: 3,680.Emergency FundSavings: 3,000Monthly BillsBudget My half of rent 550 Private Student Loan 66,550 3.67 453mo. Federal Student Loan 28,700 2.75 211mo. Perkins Loan 2,600 5.0 40mo. Cell Phone 80mo. Car Insurance 58mo. Electric utility 50mo Living Expenses and Entertainment Allowance 600mo. Money Toward Savings 200mo.Given this, I have been putting everything left over in my budget 1390 per month towards the private student loan until its paid off. The private loan has a variable interest rate, which has been low and steady for a few years now. I am afraid the interest rate on the private loan is going to increase, so thats why I have been focusing on paying extra on that one instead of the Perkins loan. Am I doing this right, or is there something else I could be doing here? Thank you all for your wit and wisdom in helping me dig out from under this giant shit-heap.Assistant: Living Expenses and Entertainment Allowance 600mo.This seems really high. Human: My GF and I live quite simply and dont go out much. We cook at home during the week and eat out only on the weekends. To maintain sanity and avoid going stir crazy we take the occasional weekend trip to go camping or on a drive. Plus, weve got to have a little bit of a beer and bulk coffee budget as well. Some months I end up with a surplus out of that 600 allowance, which I roll over into savings.  <response>: 600 a month is pretty good imo I think youre fine 