<prompt> Human: I have about 5000 in my savings account , but I will be out of a steady income. I will be basicallyliving off of school loans. My question or main concern is budgeting. Im horrible with it. In the past it wasnt an issue because I had a steady decent job but now I have a limited income and Im scared Ill drop the ball. Any suggestions? What should I look into, are there classes or videos or even articles that could help me understand budgeting? Im notoriously horrible with money its shameful. Im trying to improve.  <response>: Never do a PhD unless your tuition is 100 covered AND you get a stipend on top. 