First, I need to share my deepest, darkest, secret with you all. I have lived at home with my parents for quite a few years now. I was on my own for a while, and then had to move home when my roommates left town. And here I have stayed. It was just too easy to do. Things have changed, and I have come to realize that I am not doing myself or my parents any favors by staying here. They are always coming to me for money, so anything I manage to put into savings goes bye-bye. And just a few months ago I took out a loan on my 401k in order to pay 2 years back taxes on the house. So I really need to move out. I have a roommate lined up, and we have agreed on when to move. Now it isn't until September at the soonest. I have for the last couple of months been paying only the bare minimum on my credit cards, and putting whatever I can into a savings account. I have $1350 in an ING account, and a $1000 in my regular savings as an emergency fund. So my main question is, how much should I sock away in savings prior to the move? I would like to be able to start throwing more at my credit cards, and I plan on paying off my Sears bill(that my parent's put some house payments on) with my tax return. That will leave me with 2 visas and 1 mastercard bill each month. I am doing my best to follow the Dave Ramsey plan, but I haven't been able to convince myself to cut the cards up. The only furniture I own is my bedroom set. I have been collecting house stuff--blender, mixer, dishes--for a while, and have a pretty good sized pile. So what kind of goal should I set for my move out fund? When should I start attacking my credit card debt again? Thanks for reading!