<prompt> Human: I love to shop online which is why I have no savings. But if I cut back, work towards 1000, 100 a month, is that a start towards an emergency fund? I have a lot of bills as well, and pay 500 a month for school... I work full time, not great pay but it helps. I earn about 1400 a month, So even that 800 left over from these two payments, 200 of that could still go to whatever I want right?  <response>: 1000 0, all day every day.But honestly, your future self would thank your current self for saving as much as you possibly can. The more you cut down on that whatever I want fund, the more your future-self will thank you. 