My income will hopefully be going from $400/month to $600/month. At that point, $200/month goes to a separate savings account for a summer expenditures fund (needs at least 3.5 months/$700, minimum). Another $200/month goes to my parents for the car and cellphone; I'll end up either paying the "car loan" off in 24 months instead of 36, or I'll end up paying them more than they've requested of me. (I feel bad about taking this much money from them for something of mine.)
Something is a little weird here. I need $200/month to the parents... that's $700 for the duration of the summer. My previous calculations have been... my previous calculations were setting maximum values and total values, not using the actual values. Ergo, $200/month stored for summer is high.
Yes, building a safety net is nice, but two things - one, I have a $3000-4000 safety net in the stock market, and if it ever reaches $4k again (HAHAHAH) I'm bailing the fuck out and putting my money someplace safe. Like under the mattress.
Two, I need winter tires, summer wheels, summer tires - caveat, I want the summer wheels/tires to be something better than normal, which increases cost perhaps 40%. Wheels are a one-time cost, tires should last two years per set (which means I buy two sets of tires every other year). Also, I really want to finally do an HID retrofit, and that's only about $400. And before another driver here yells at me, projectors.
Here's more detail to that - I drove a G37x at night. It is the only time I have ever not hated driving at night, the only time I didn't feel I was getting blinded by oncoming lights, the only time I could fully see everything around me. I also didn't come home afterwards with a massive headache radiating down my neck. If I can replicate that, and I believe I can, that's $400 well spent.
So, since I only need... well, let's round up, $800 banked for the summer, I can do that half January, February, March, April, and half May. That lets me use $400 of my $600 each month for October, November, and December. September is going almost entirely to handling a massive Discover charge, and getting the power rack set up finally, five months after initial planning stages.
That means $1200 from those three months, which is enough to cover getting snow tires and HID projectors, with one or two hundred left over.
Sounds like a small net, but still, the stocks are there, and there shouldn't be anything else.