u/Butteroasis

26F, i was an international student for last 4 years and this year i have got my permanent residency finally. I have been working hard but spent all my money to visa and living expense + health/car issue

Fortnight netpay : $2800-3200
Fortnight rent : $1000
Fortnight gym+health : $100
Fortnight utility : $ 150

This year i got to treat myself go travel and go sauna/spa and stuff…i’ve got saving only $4000-5000.

Should I focus on saving at least 10k as an emergency fund right now, or would it be better to invest in stocks? I’ve realized I'm wasting a lot of money on stupid things like saunas and shopping.