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Originally Posted by tinapbeana
SW:
awesome job getting started on a budget! it's really the hardest part, most folks won't do it b/c they're afraid of what will wind up on the paper. your rent & utilities are, IMO, dirt cheap for san fran. don't know how long you're going to be in that situation, but definitely take advantage of your low cost of living while you have it.
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welcome to the site. looks like you've made a good start just by being able to see that your budget could use some trimming without getting defensive. not everybody can even get that far. that's a good first step and it seems like you have a good attitude so .
the previous posters have all give you really good advice on what to do with your money so i don't have anything to add there but i do want to say a few things. don't worry about getting your budget perfect all at once. it sometimes can take awhile to cut your budget down and tweak it to a level that is comfortable for you. think about slowly cutting back on your food and luxury budget even more. try to cut it down by $10 or $20 every month until you figure out how much you need to be comfortable. just remember, whatever you do has to fit in with your personal priorities or it will be difficult to maintain.
i would spend awhile poking around the site and reading all the great advice posted. you can learn lots of things here. guess that's it from me.
=)