<prompt> Human: So I recently started working on New York City. I work in finance and make a salary of 45k. With the overtime that I work each week, my paychecks every two weeks are around 1300.Ive always had a hard time balancing spending on things I want to do, and saving money for my future. At the moment I have basically no savings and practically live paycheck to paycheck. My rent with utilities comes to about 1215 a month. Someone please help advise on some of the best ways to save money and plan for the future. Im able to afford the things I want in the moment, but find that I never actually have enough to fall back on for big things like trips, and expensive events. Any advice helps, thanks in advance. Edit: i know 45k is terrible in NYC, but Im a contractor and basically locked into working for this salary until November. After November I start my second year, locked in to same location, but for 50k. Thanks for the comments so far! Everything helps.  <response>: Step 1 is EITHER finding a job that pays more, OR move somewhere else...like almost anywhere else. 