re: Question for MT: Putting Finances on Cruise Control

I currently rent, and due to having such a short credit history, low credit limit, I am prepaying a years worth of rent at the end of July, beginning of August. So I will have my living situation taken care of between August 2013 - July 2014. That is my big expense that I am currently preparing for. I plan to carve at my emergency savings for that payment as I work on planning for what is next. Once that is paid, my monthly expenses will be insurance and utilities.

I am not married, and I have a secured credit card, 1 year old account, that I am using to build credit. My credit score was around 670 last I checked. I don't want to put that all away and not enjoy myself, at the same time I do not want to spend it all either on junk.