So I’ve been following the 60% rule I previously mentioned. It’s been working pretty well. This month my totals are:
- Committed expenses: 46.5%
- Irregular expenses: 7.2%
- Fun Money: 3.3%
- Long term savings: 29.8% More money into my stock purchasing account, and again, two transfers to ING.
Not totally sure how I managed to run a month on so low. I think it was probably partly due to my being in NYC. Gas usage is down a bit, which is nice. Although I suspect that, even though I’m riding to work (and saving $ on gas) I’m driving to other places even more, so it’s balancing out. *shrug* Riding is good exercise, too.
I’m also opening an account at Emigrant Direct (online bank similar to ING), but with different rates. Usually a bit higher, though not always. This way I can transfer funds between the two, as rates increase. I haven’t seen Emigrant’s interface yet; hopefully it’s better than ING’s, though.