<prompt> Human: Hi everybody! First post in personal finance, I hope you guys can help me.Today is my birthday. I just turned 20 and looking at how my life is right now, I cant continue to sustain the way that I live. Im terrible at saving and I always have been. Ive always treated my income as disposable and I still see it that way.Im about 400 in credit card debt. My credit score is also fairly low, last I checked it was 517 its low because I had a small payment to make that took a very long time to pay off to a college that Im no longer enrolled in. I cannot save money for the life of me. I have a savings account but if its in there, then I spend it. I buy a lot of deliveryfast food because I dont have a car and I cant get to the grocery store very often to buy meals for myself. I have a spending problem for sure; most of my money goes towards frivolous things that I absolutely dont need. I need some advice on how to start saving money without just pulling it back out of the bank. Also, advice on a good schedule to pay back my credit card debt and how to get my credit score back up would be awesome. Thank you in advance!Edit: Sorry about the typo in the title  <response>: Happy Birthday!IMO, right now is the best time for you to change your life. My birthday was a few weeks ago and my wife had planned a trip where wed be spending 2k and 500 of that was payday loan money. I though a lot about what wed have if we didnt spend that money and decided to not go and took the cancellation fee hits from the rental car company and hotel. We returned that payday loan and now have a little bit of a buffer in the bank. My point of view about spending has changed a lot in the last couple weeks and I think Ive stumbled across a cool perspective change to think about when having financial difficulties and trying to change habits, so here it goesWhat spending money really costs you?So, if you are in a situation where you dont have a large emergency fund 10,000, like I am in now, then spending an extra 100 per month on something that you didnt have to really hurts a lot. How much does it cost you exactly? Best case scenario it just cost you 100 if you didnt need it, but without that 100 worst case scenario you might have had to go get a high-interest loan from a loan shark, possibly have a check bounce, maybe a paycheck didnt get deposited in time for an auto-payment and you get feed. So really, that 100 you spent extra on eating out per month might have kept you poorer than you really had to be. Now, with eating out that can be a lot more than 100mo. Do you see where Im going with that?Now, lets use that same logic when you come home from a long day at work and you dont feel up to cooking dinner. Well guess what that little extra effort you could suck up and put into preparing a meal at home will save you a little extra for that meal, now times that by every day of the month. If you save 10day, thats 300 you had in the bank after a month that might prevent further debts and financial struggles. Until you have a buffer that protects from 98 of risks, any additional spending you do might lead to a worse financial situation. Obviously dont take this too far and start living off ramen but its helped me to realize that a little bit every day will add up and make my quality of life so much better just after a few months. Ill be able to be financially stable and that will lead to mental stability and so much more, money isnt the end all of life but without money your life is going to suck so much moreEdit: Somehow I missed this detail: I cant get to the grocery store very often to buy meals for myself. Maybe you could work on other aspects of your spending that you have more control over 