Start with what you can actually stick to. We often see people aim for 20% of income, then quit after two months because it's unrealistic. Begin with 5% or even monthly. After three months of consistency, bump it up gradually. Your savings rate matters less than building the habit first.

List all your cards with balances and minimum payments. Pay minimums on everything, then throw every extra dollar at the highest interest rate card. Once that's gone, roll that entire payment to the next highest rate. This avalanche method saves the most money, though some prefer tackling smallest balances first for momentum.

Whatever you'll actually use consistently. Apps are convenient for tracking on-the-go spending, but spreadsheets give you more control and customization. Try both for a month and see which feels natural. The best system is the one you don't abandon after two weeks.

Base your budget on your lowest earning month from the past year. When you earn more, the extra goes to savings and irregular expenses like taxes or equipment. Keep three months of expenses as a baseline emergency fund, then build from there. Track your monthly averages to spot seasonal patterns.

True emergencies only - job loss, major medical expenses, urgent home repairs, or car breakdowns that prevent you from working. A sale on shoes or vacation deal doesn't qualify. If you use it, replenish it before any other financial goals. Think of it as insurance, not extra spending money.