<prompt> Human: Hey Everyone, I feel as though Ive been spinning my wheels for the past two years and would appreciate any advice on how to get myself into a better financial position. I currently make 80,500 a year, and Im paid once a month, in addition starting in March this will increase to 90K, long story but I threatened to leave to a competitor this was the agreement we came to. Income: roughly4600 after tax starting March my estimate is that itll be close to around 5000 both paid monthly. no bonus structure currentlyBills Rent: 1700mth - the norm for the city I live in, I havent been able to find a 1 bedroom for less that works with my life Internet: 100mth Cell: 77mth power: 67mth Food: 250mth Groceries Only Gym: 28bi-weekly Transit: 100mthTotal 2450DebtStudent loan with about 58.6K remaining interest rate is 3.20 - Payments of 591 a monthCC with about 4,500 on it, typically what Ive been doing is basically leaving as little as possible in my chequing account then putting it all on the CC each month. Savings:Company has a match of 50 of the first 5 of my pay I put in, I currently have 2K set aside, heres where this one is interesting, Im trying to keep this one going, I was sold off to a new entity and when the deal closes in a little over a year I get access to the full amount, not just my portion which is a guaranteed return of 50.Upcoming additional cash flowsEstimate is that in march my tax return will be 4K, the remaining of my student tax credits Goals, have my CC under 1K by the end of April Build an emergency fund of 5K for unexpected emergencies roughly 2 months bills - want to use the tax return as the base of this. Start saving towards down payment on house Again any advice is appreciatedThanks!  <response>: This all looks very reasonable, except for the credit card. There should be no balance carryover. Maybe youre forgetting something, say, bar hopping or larger purchases that dont show up regularly?Id recommend you try out Mint - itll download all your bank and CC statements for the last three months and categorize your spending. Really nice to kickstart ones expense tracking. Ynab is also good but its basically manual, and you might not be motivated to do three months retroactively. 