Plan of attack.

I really just need to build up an E-fund, but that's difficult to do as I don't have many set expenses yet I always seem to be living paycheck to paycheck. I have the car payment $300/month and the cell phone about $120/ month. I have daycare which is 160 every 2 weeks but that would be null if I lost my job. I figure I spend about $100 on gas each month, I don't really track this though and I have NO IDEA WHATSOEVER about what I spend on Groceries and the like. I guess that should be my first goal, track expenses and find out what I spend in each area on average each month. I also need to pay off my discover card and close my overdraft protection, so that I don't have to worry about accidentally spending more than I have.

More later.