How to Get Out of Debt

Embrace the idea of paying yourself first it gets around Parkinson's law. Work out what your savings level needs to be maybe as a percentage of your income and then how much of that should go to short medium and long term plans. If you've got no emergency fund or if you're still building it then you need to divert 100% of your savings money into that until it's done. I'm currently saving 16 1 6% of my net income right now but I'm determined to get it up to about 25% of myNet income in the next year or so everybody's different. The later you've left it the more you should save if you're in your fifties you