Today my “serious saving” account reached $500 :) And I have no credit card debt, I still am 2000 in overdraft which is my next mission, but I am quarter of the way to paying it off. I have divided all of my money into a million bank accounts, it is good coz now everything I have to pay for has money put aside, e.g. I have a “rainy day savings” account which I will use to pay my car registration from next month and other things like that and a “clothing” account which I put a little into each week to go summer clothes shopping – this means that none of those “unplanned” expenses (stuff that I dont budget for in my weekly rent, food etc breakdown) eat into my actual savings :)