<prompt> Human: This is a bit long so bear with me, tl;dr at the bottom.So basically, I am new to the world of finance. Ive never been great with money, and I havent worked anything more than a minimum wage job. However, now I am a new college grad and get paid very decently as a software developer.Predictably, some of my old minimum wage habits have stuck with me. Still spend money on the barsweed and other unnecessary, non asset building things, not saving as much as I should probably, living in a nice apartment in the city, you know the drill.I discovered this sub-red and figured this would be as good a place as any to start breaking bad habits. For the year of 2014, I have a few goals.1 Stop smoking, or at least cut back, to save money. 2 Move back with my parents, or to a more sensible apartment 3 Bump up the amount I save each month to 500 or more, instead of 250 where it is now 4 Track my bank account through an app I am developing. Debt incurred, expense tracking, etc... More of a learning opportunity to get better acquainted with my own finances than a serious attempt to develop an app, but I am writing the code regardless.I should add that I have met with a financial planner, and bought a life insurance policy. Idk if I will continue it, but it was pretty damn cheap considering I am 23 and run all the time.Any other ideas? I would love to start learning the right financial habits while I am still relatively young, with minimal debt.tl;dr : I need help acquiring good financial habits, I am a stoner w shitty financial control.EDIT :So far the tips collected seem to be 1 Ditch this fucking life insurance policy.2 Read up on some apps that exist, while thinking about my own.EDIT 2 : I want to thank those of you that have already responded. Honestly, it is tough to look at some of this because it is revealing of my flaws and how shitty I am with money. However, I think it is better to be uncomfortable, because that will drive me to make the necessary changes I need to make.  <response>: You bought a life insurance policy? For your sake Im hoping that you are married and have kids. Otherwise you just got cond. You sure this financial planner isnt an insurance agent on the side? 