<prompt> Human: Heres my situation. My mom has passed recently, and I am still a year until I graduate Spring 2016 with education degree So far heres how its broken down: Income? -From my moms retirement I have. 28,000 -My school has now allowed me to have Pell grant since Im not considered an independent student. So I was reimbursed for this semester and last semester 5,000 With pell grant and my scholarship I will get a refund next year too 1,500 for each semester My brother has offered his basement to me free of charge. So rent is not an issue. However, him and his wife are having their first child, and I feel like my welcome here is about a year. -- My moms car is fully paid off which is now mine. So I only pay for insurancegasWhat Im paying now I have already got insurance for my car that will last me until August 610 I missed out on Obamacare since I dont work and dont have taxes to show, plus my mothers death was recent and I missed the deadline due to grieving so I had no time to fill out the paperwork. Its through my school and its only for the summer and kicks in may 459 My school is 12 miles in total from back and forth a day. So gas lasts me about a week and a half with full tank of a honda. 30-35 Phonebill for a month 56 Food I still need to find the costs for. I imagine its 80-100 a month for me. But my brother wants me to try to apply for government assistance to help myself out. This is all new. I was thrown into being fully independent, and while I am somewhat good with money, I now see its the small costs that quickly take you out. Not much so big money spending. So I came here asking for help. My aunt suggested I take a budgeting class, but..I feel like I need more guidance as to what to do. Another issue is with working. While I will work over the summer as much as I can to add to my pool, when fall and spring hit, my advisers have said since the last year of my degree is basically a full time internship,working will be next to impossible. with maybe just weekends if I dont have lesson plans to create.My main goal is to complete my degree and hopefully teach ESOL overseas. And I want to save as much as I can so I always have something to fall back on in case something happens. I guess Im just asking on what to do. Should I put some of the money in CDs? Should I only spend 300 a month? Less? I dont know...Assistant: You could lengthen your welcome in your brothers basement by offering to help with child care. Im sure they will be wanting a breather from time to time. Human: Theyre new parents and even though they havent said it yet, I can see the uneasiness of them allowing a 21 year old to take care their first child. Ive never done drugs or gotten drunk..been in a wreck...anything to let them doubt me, but I chalk it up to them just being abit crazy right now.Perhaps after 6 months of having no sleep, theyll let me watch the baby.  <response>: I dont know how close your relationship is with them but in many instances its seen as YOU are family, and we trust you above anyone else. It doesnt hurt to ask, and if they become squeamish in the conversation quickly say, Hey, I dont want to make it awkward; I can tell youre not feeling it and thats fine by me. 