re: Ok, I want to save some money

something to note on budgeting:

budgeting is NOT simply making a plan and then doing a tally at the end of the month to see if you stuck to it. That's just called monitoring.

budgeting IS making a plan and then holding yourself to that plan. If you give yourself $500 a month for play money, then you don't get to play any more after you've spent $500. You have to track your spending IN PROCESS.

ETA:

quote:

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So perhaps the best way is to go open a new savings account today and put maybe $200-ish/paycheck in it?

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Yes.