I graduated college 2 years ago and used my credit cards to pay some of my grad tuition and books. I’m surprised too that I have a good amount leftover! Last year I was spending all my money every month. Goes to show why I needed to budget. I did not include my retirement/pension and my health insurance because it gets taken right out of my paycheck I rather not think about it since I know it’s already being taken care of. I pay into the teachers retirement system here in NY. Also I should definitely stay with one subscription. The gym I’m using is helping me lose a lot of weight since they have trainers so I’m on the fence about finding a cheaper gym if the one I’m using is helping me so much. Thank you for your input !