<prompt> Human: Reference: Hey PF. I just wanted to stop by and give thanks for being honest with me about 7 months ago when I asked about how to get out of living from paycheck to paycheck. I have since drastically improved my financial habits and am living much happier now than before as I am no longer living in worry and am investing in my future.At my one year review, I was able to get a 10 raise bringing my salary up to 55,000. I immediately turned this raise into me investing 6 of my income into my companys 401k ESOP program, and they will be matching 60 of 1,200 at the beginning of next year.I have since found a roommate and a new living situation, and am now paying 600mo as opposed to 1220mo. I cut my TVinternet back to 70mo from 200mo, shaved off about 2,000 worth of credit card and student loan debt, and reduced going out and spending money drastically. My credit score is rising ever so steadily, which is a great thing to see.A few months ago I also started putting back 10 of my income towards an emergency fund with the goal of saving 4mo worth of rent and bills about 4,000. Right now I am utilizing about 2,000 of my 3,000 monthly income including savings, compared to my previous 2,500 of 2,800mo. This is a massive increase as before I was not saving any money whatsoever, and I was losing track of money spent. I am now completely accountable for every penny that comes through my bank account.Since I have a significant chunk of money available after bills, 401k, and an emergency fund, I plan to be more aggressive at dwindling down the rest of my credit card and student loan debt 8,000 and opening up a Roth IRA so I can contribute 5 more to saving. This will bring me up to saving 21 of my yearly income in 2015. Once I reach my EF goal and pay off my debts, I will shift the 10 towards my Roth IRA, and up the percentage to work towards maxing it out.Again, just wanted to stop by and give thanks. There was a lot of brutal honesty that I didnt much like to hear 7 months ago, but it was what I needed to hear and has helped me exponentially.You guys rock!  <response>: This is great to hear! Congrats! Just goes to show that you can turn things around quickly if you work hard at it. 