Now that I'm on the tail end of this saving every extra penny because I'll need it when I transition to my new paycheck kick I have decided to change my EF.

I have three accounts that make up my EF. Two are over $400 and one is over $500. Once I get my first real full month paycheck on Feb 15 I will have a better grasp on what my real income will be and I can start putting money towards paying stuff off again.

The plan is simple...

Until each account reaches $500, at the end of the month I will pull everything over $500 out of my WF account and use it to pay down debt.

Each account (ING, Emigrant, WF) will basically maintain roughly $500 balance so after it reaches that goal, once the total between the three is more than $1600 I will pull out everything over $500 and apply it to debt at the end of every month.

ING gets $20 put in automatically every month.

Emigrant gets at least $20, sometimes more if I babysit or do a Pinecone survey, every month.

WF gets $75 auto transferred every month but that's just because it's one of the conditions for having the type of account I have.

I may suspend the transfers to the first two accounts once they reach $500 and just keep the third one going that way I'm not transferring in and back out every month. That part I have not decided yet. I like to have the habit of socking away into savings but I will still have the auto transfer set up for the third.