<prompt> Human: My necessary expenses are:280 for car insurance120mth ish in gas60mth for my cell phoneI occasionally put lump payments on my credit card to the tune of 250300.And I go on one vacation a year, but thats not for a few months at least and I have already started putting aside money for it.Please help, I know I can do better than I currently am.Im in Canada btwEdit:I legitimately wish to thank each and every one of you from the bottom of my heart. Even if Ill have to think about, or am not sure about your advice, youre still trying to help me, and youre all awesome for that.Some repeatedly pointed out things are listed here:Car expenses Yeah, I maybe drive an impractical car. Ill admit to that. But, I own the car cash, and my father is the primary driver listed on the insurance Because he has access to it whenever he needs it. I find myself spending less than most other people I know when it comes to that. I have shopped around a bit for insurance, but with the benefits my company offers me some of which Ive already had to take advantage of... the pros outweigh the cons here. If I were to get an other car, my dad wouldnt be listed on the insurance, which would make my policy go up substantially. Eating outI KNOW. Biggest problem right here, probably my largest expenditure.Emergency Savings FundGetting a bit of a head start on that as we speak, removing money from an investment account and putting it in a savings account, also trying to sell something I won in a contest, its just proving hard to get rid of. After those two are said and done Ill have 1300 or so in a savings-only account.Budgeting toolsI downloaded Mint, working on getting it up and running.  <response>: A simple recommendation is to have a of your money sent to a different bank and dont look at it. Out of sign out of mind. 