I just realized that although I have this target for my HBD savings and interest on interest, that I have a loan that is on a credit and an interest range that is greater than that 20% from the HBD... Which means, if I am not mistaken, that I would benefit more in the long run if I payed those bits and pieces into my loan instead of into the HBD savings.
Am I right?
100% right as getting rid of the loan should be the first priority.
I think I shall keep the near $100 in the saving slot here as a rainy day fund. Its is good to have a backup!