<prompt> Human: Hello, I am 28 years old and live in the US. I have terrible credit. I am trying to get my life together. I start a new job in about a week and I have severe anxiety about it. I am a former drug addict. I have been clean for about 4 years. I am absolutely terrible at saving money. Its almost as if it burns a hole in my pocket. I cannot get a bank account because of my banking history. I am thinking about having my mom start an account for me and have my paycheck deposited there. I wont be making much 9hr 35-40 hrs a week. I will owe 300 for rent and about 100 for utilities. I have no car payment, no other bills. I do not own a cell phone or anything. I am just reaching out to see if anybody has any sound advice for me. What would you do? How would you manage your money? Is there a saving strategy that I am unaware of that may work for me?Thank you all for the help.  <response>: So the first thing to do with that pay check is take out enough to pay bills and give to your mom 100 a week, Now take 30 percent 9 times 35 hrs.315 - tax and other BS, About 267 - 30 percent and that leaves you with say 180 for whatever you like. With that 180 just ask yourself one question when out shopping or? DO I RELAY NEED THAT if the answer is no then give that dollar amount to mom and in no time youll have a large bank. 