You need to develop a personal budget. Use the income $19.00/hr - 40hrs a week, the rent $1350, electric & water $75, gas $40, internet $30, phone $100.

For Example: Budget Actual

Gross Monthly Pay

Total est deductions

Net Pay

Rent/Mortgage

Utility Electric

Utility - Gas

Utility Water

Cable/Internet

Phone/Cell

.

.

.

Total Expense

Total savings

Take your total savings and multiply by 12 for 12 months. This is your estimated saving (payment) per year.

To make this budget useful do this in excel so you can actually use it.