When you juggle multiple priorities, it is hard to see what is the most important. My recommendation is to have a good mix. It is always best to pay your bills first. If you have any extra after then you should immediately start saving an emergency fund for those surprises. It can be as little as $10-$200/month. Even if you start small, the idea is to get into the habit. I am adding the links to some articles that would be great for you to get started on. They will cover the basics of budgeting and starting an emergency fund. Take the advice and tips that make sense for you and implement if you can. Good luck getting started!