 I have about $900 in checking and $1,100 in savings. Perfect. That's perfect. That's all you need for right now because we're going to get you on the track. To answer the question that you called in with is how can I budget my money better? The first step to budgeting your money better is putting your money back in your pocket and stop giving it away in debt payments every month. Stop giving it away to credit card companies.