Hey good luck! I appreciate you being honest and giving full disclosure. It helps other people (myself included) come to a better understanding of our own financial situations, and feel like we are not the only ones who need to deal with getting ourselves out of the hole and onto a better financial future. As a young man I have never paid much attention to my budget and how to best allocate my monthly income the smartest way. I recently started reading 'secrets of the millionaire mind' and it gives a great blueprint for how to go about dividing your assents into percentages, much like you are doing. Keep it up and good luck. One day with the help of steemit and smart choices we can become financially free!!!!