Yesterday was payday and I am going to put $1000 toward my family loan. I will update my progress bars to reflect this change. My original goal was to put all my effort into debt-repayment before starting any sort of savings plan. However I spoke with my family yesterday about this and they said that it's okay if I want to take my time paying them back. I will aim for $3000 by the end of February and hopefully the rest by July.
I think what I will do is send in a cheque to ING and open up an account there. Then start contributing some money each month to start a TFSA with ING. I also think that I am going to change my budget, as it is not really working that well for me. I often end up overspending in certain areas and underspending in others depending on the month. So I think that I will take an approach that Jessie has taken and plan my budget dependent on each paycheque. This will also be helpful because I have such a variable income.