I'm kind of in the same boat, @Aviza. I'd like to know more about savings.

Only, I am paying down credit card debts first. I just paid off a credit card's balance of a little over $1,000 just yesterday (and I recently paid of 2 other credit cards as well). I only have about $14,000 more in credit card debt (about 5 cards) left to pay off (a few of which are a little under $2000, which I intend on paying off first). I am determined to pay off all my credit cards by 2022.

I do want to save extra cash as well, but I'm not sure if now's the time to do that. I'd rather improve my credit score first.

I'm still learning about credit scores (which I now need to improve) and what it means to save. I always thought that I'd die any day now, or get traumatized again, so I spent as if today were my last day. My therapist said that this is actually a common PTSD response - at least among veterans with PTSD. I had no idea. So, now I'm learning to plan ahead for a brighter future, despite my ongoing life risk factors and feeling doom and gloom every day. It's a hard balance.

My T is very helpful with me and my finances, though I've not discussed those things for a few months now. I'm sure she would have suggested not to be so quick at paying off another credit card, but who knows. I'll talk with her about this next week.

It would be great to get some financial advice online here though.

I used to be in the same boat as you, Aviza - only getting a limited amount of money and not being able to save $1000 at all, let alone $100. I wasn't able to save anything. But now I have more money, so I can afford to save that, but I'm wanting to pay off my credit cards first.

Savings is tricky because it depends on your lifestyle and expenses.