A couple weeks ago I asked what I should do with my money. I received several suggestions and took them into consideration when making my decision. This is what Iâ€™ve decided to do for now. Iâ€™m getting health insurance first. Iâ€™m also going to open a Roth IRA and contribute $50 a month. With my surplus money, which should be a few hundred dollars, Iâ€™m going to put half towards my emergency fund and half towards debt repayment. When the emergency fund is fully funded Iâ€™ll divide the surplus between debt and fully funding the IRA.Â I may temporarily put more towards debt repayment to make sure my credit card is paid off before the 0% balance transfer offer ends.