So will be debt-free in 4 months time..

Have been thinking about my relationship with money..

It won't be my master in 4 months times, but it will still be a Limiter. As I won't have an Emergency/Opportunity Fund, I won't be able to do as I please. I'll still need a job, any job.

So when I'm debt-free next April, I'm gonna have 3 long-term areas of saving:

Emergency/Opportunity Fund (200 per month)
Retirement (15% of Net Income)
Accomodation (35% of Net Income less rent)

After that and all the other expense categories (car, food, electricity etc)... the rest of my income will be for enjoyment...

As a non-money-lusting Batchelor, I don't need a large income... My medium term financial goal - in say 5 yrs - is to be able to leave my "job" and take up a more precarious lower paid position simply because I love doing it and not having to sweat about debt or if something bad happens...

Is this possible ? Sure is.. To paraphrase the big man in the big house "Yes I can !"