Whee. This one's more of a for me post than anything. For some reason, it always helps me to write things down and just think them out, but i've never liked the paper medium. I suppose I could do this with vi or something, but I like having access to what I write wherever I am, and I usually have a way to get online, somehow
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The debt shouldn't take you that long to tackle, but don't budget yourself into the ground, goodies like the scanner, or a monthly manga budget or something is quite acceptable, as long as it's a controlled spending, and not a large amount of impulse buying/splurging.
Take a look at investing a small amount into a retirement plan now, there's plenty of tips on the internet on what to look for and consider, and I believe the federal government provides information as well. By paying little amounts monthly now, you can have tons for later, and barely notice the payments.
=^-^=
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