<prompt> Human: Im 24, homeowner condo and my furnace AND Ac just went out. 6,000 repair. I have 7,000 in my savings and itll all go towards that. Im a new homeowner tho, and Im still learning how to budget with my new mortgage used to have an apartment with a roommate so rent and utilities were shared so its a big change. I make 61k, mortgage with HOA is 1300 a month and then utilities. My bi-weekly takehome after taxes and 401kemployee stock option is about 1550. I also have student loans that I pay 330 each month.How much should I put in savings per paycheck? Im working on spending less on food and stuff right now as I know thats a big thing I spend money on.Assistant: Savings rate should be like 20 rule of thumb.Human: Of take-home after tax? So about 300 each paycheck.Assistant: Correct but always more is better especially since your E-fund just got basically all used up.Human: So with a 1300 mortgage, about 100-150 in utilities and the 330 student loans. That leaves me with how much for spending a month? I cant figure out the math. Also, I have been overpaying my student loans and am paid ahead like over a year. Put my tax returns to it. Should I just take a break from my regularly scheduled student loans right now? Or will I be able to do both with my income.  <response>: Also, I have been overpaying my student loans and am paid ahead like over a year. Put my tax returns to it. Should I just take a break from my regularly scheduled student loans right now? Or will I be able to do both with my income.Stop paying aheadStart putting extra towards principal amount owed 