New month new budget�I� have decided to make some changes to my budget, last month I went over a little but was able to still save

So far I have upped my EF to $638.00, my $20.00 challenged increased by $133.11 giving me a grand total of $153.11 ending the month of February leaving me with $14846.89 left towards a purchase of my new home ( lol). My auto account something new I just started in case the car needs any repairs or in time a new one is needed, I am at $19.49 but with my plans I am sure it too will increase significantly

In the beginning I used Dave Ramsey�s �total Money Make Over� in order to get my snow ball going, I�ve paid a total of 4 credit cards freeing up $70.00 extra a month, now I have decided to take that $70.00 and pay towards my high interest credit card. Unlike Dave, I am funding my EF as I go, but I did open up a miscellaneous account adding 67.50 each pay period giving me a total of $135.00 for some reason I find myself using this money but at least I have not touched my EF fund and wow is it nice to see it grow.

I found this great tip on MSN Money Central which stated to use the 10% rule, it works like this:
1st 10% of my paycheck I deposit in my EF account
Then I take 10% of what is leftover and deposit into my miscellaneous account (for small emergency) the next 10% I deposit into my IRA account (unfortunately I am unable to deposit 10% but I make sure I deposit 15.00 each pay period totaling 30.00 a month, something is better than nothing) now I pay bills; the only exception that I have made to this rule is what ever my paycheck is I subtract $750.00 to use with the 10% rule and the difference I am using to pay down my credit cards so if my check is 900.00 then $150.00 is used to pay towards my high interest credit cards

Just wanted to share some of my ideas on how to get out of debt�hope it helps some one because it sure have helped me (4 credit cards paid in full 5 more to go)