Starter Emergency Fund ($1,000 to one month of expenses). Goal 2: High-Interest Debt (Credit cards). Goal 3: Full Emergency Fund (3–6 months of expenses). 4. The Maintenance: Review and Refine
Use your "take-home" pay (after taxes/insurance), not your gross salary. personal budget finance
Don't just track spending; choose a system that fits your personality: Starter Emergency Fund ($1,000 to one month of expenses)