<human>: Hi! New to this sub (on an anon acct because my normal acct is linked to some stuff posted here for work) and am looking for a bit of advice coming from somebody who knows little to nothing about finance. 

++ Goals for the year are to save more, and learn to save better, setting up a good system for what needs to go where each paycheck. Also considering going to grad school within the next 2 or so years, so will need to save for that, as well.

I'm moderately OK at saving, but I'm not sure if what I'm doing is the best. Right now income is around $42,000, but after taxes/benefits/pre-tax deductions for parking, my take home is just over $1,100 biweekly.

Current setup:

- Checking A: $340
(DD gets dumped here, transfer $290 to Checking B for car payment and insurance (to parents)

- Checking B: $8, yeah. I'm cool.
(Old account I have open because I have a CC there).

- Savings A, Ally Money Market savings: $9,400 

- Savings B, Ally OSA: $2,380

- CC1: Wells Fargo, from when I was in college
$800 limit, opened for 3 yrs, rarely use
- CC2: CapOne cashback
$25,000, don't even know how that happened
- CC3: $5,000 Chase Sapphire
use for most regular purchases, pay off at end of month

Monthly set payments: $1030 for rent and utilities
(SO will start contributing more soon, but he just started a new job and is paying down debts from school/life).
Car: $290 for payment and insurance, 2006 Scion XA, still have quite a bit to pay but have very low interest.

No debt. Pay off CC's in full each month.

Can you give me a shortened version of the text?
<bot>: Want to save more, don't know where to put money, need a set budget/schedule of when to put what into which savings. HALP.