Hi!

So I have to move twice in less then 12 months. When my roommate decided she no longer wanted to renew our lease I was not in a position to keep the apartment on my own (NYC). I also have bad credit and am working on fixing that with bill collectors, debt repayment, etc, so I also didn't qualify to rent a studio on my own. I'm in the middle of figuring out settlements with them so I don't even have a number set that I'll be paying them in the near future. I have also been helping my family for the past 5 months because my father just had a massive stroke but I'm done helping them in Sept. I've moved in with my partner and will be living with her for the next 10 months. After that she's not sure if she will be staying in NYC or leaving the state to start her own practice so I might have to move on my own or find a roommate situation.

I shoveled out about $600 for my move with her and am paying less rent then I was with my roommate. I allocate 15% of my budget towards emergency savings and have about $1800. I have a smaller goal set to pay for my own flight back home to L.A. for the holidays and am putting aside $38.50 a paycheck. I have one credit card with a ridiculous interest rate but it's paid off and I just use it to pay my gym membership of $10 to keep it active and I pay it off each month. I have school loans that will leave the graduated stage to be about $150 a month soon (currently $64) and I own $800 to a school in fee's that charges only 1.5% interest a month.

I'm wondering if I should keep the money I'll need for the move in a separate account (I'm thinking about 1700 to start and then add $20 a paycheck to get to 2100 by the time I have to move) and start my emergency savings over again at 15% a paycheck, or leave the money all in one fund and up my contributions by a percentage until I have to start paying back some more debt once the collectors and I settle on certain amounts.

I'm a little confused at the moment. I've actually paid off a few accounts that have led to my bad credit so I know I'm on the right path but I'm very concerned about being left without any savings again (as I have in the past). Any help or suggestions would be appreciated. I feel like 50/30/20 is great but for me I'm thinking more 50/20/30 would be more appropriate?