My savings/debt repayment percentage for December was 55%. I paid $1095.23 towards my student loans and contributed $350 to my IRA. This was out of a total income of $2617.84. I did carry some savings into the month which went towards paying my student loan but I also received a paycheck on the last day of the month which was too late to use the proceeds towards paying debt or an IRA contribution. Therefore I think it is pretty accurate to say that my savings/debt repayment percentage was 55% of my income. This is the last month I’ll keep track of the percentage for a few months because I won’t have much income while I’m in school.