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Thanks to everyone who has posted with great suggestions. I plan on taking a good look at the resources that everyone has suggested so far.

For the sake of information, I'll answer some of the questions. $5,000 of my efund is sitting and (sort of) growing at ING... the rest of it fills out my minimum balance requirement at Wachovia/First Union, where I have checking, savings, and the investment account where I deposit $100 each month into AIVSX. The efund should last me six months or more.

I have no credit card debt--nothing that I can't pay off every month before charged interest. I do have about $5,000 left in a student loan, to which $200-$350 goes each month.

I consider myself pretty lucky in the moment--I have a very low rent due to the fact I'm sharing a three-bedroom apartment with three other people, and I have no need for a car, therefore no car or auto insurance payments. However, our apartment lease is up for renewal in a few months and I don't think we'll be keeping the same arrangement.

Thanks again for everyone's help...


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