What university do you go to? http://www.janisclaxton.com/english-essay-food-fair/ thorough dissertations.com interposed Between retirement, credit card payments and student loans, Erinn is putting 25 percent of her take-home pay toward financial priorities. This is a great percentage of her income, but I fear that since she doesn't pay much over the minimum balance on her cards, the accrued interest over time means that she won't be making much progress. Given that she already knows her splurge areas, I'd recommend a cash-only diet for such things. She'd give herself a weekly cash "allowance" for everything that isn't a fixed bill by tallying up the monthly figure and then dividing it by four. Once that weekly allowance money runs out, no more fancy dinners!