<prompt> Human: Hello all,Whenever the subject of finance comes up, I feel weak and buckle. I left my retail job last year when I found something with better pay. After taxes, 401k contribution, and benefits, Ill pull about in 730ish every 2 weeks. Ive had a horrible spending habit since I live with parents that I have started to curb within the last few months. I have about 3K in my saving account. My recurring bills are student loans which I pay about 360 a month to make my minimum payments and a phone bill of 90.I am saving for a car then eventually move out from my parents with a roommate but whenever I start to think of all the costs, I get weak. I am afraid of my financial future. I am horrendous at sticking with a plan. What percentage should of my check should go to savings? I used a budget app on my Android called Pocket Budget but couldnt get it to help me as I just gave up. I just feel like I need advice from actual people rather than articles from a stranger. Any tips? How should I divvy up my check so I can build a solid savings yet still have fun money. Part of the problem was just the fact from going to minimum wage to something that is a few dollars more. I had spending money I never had before and just went overboard...  <response>: Youre living at home ... I presume this is so that you can save money right?You should probably be putting 80 of your pay check towards either savings or student loans.What do you do for food? Are your parents paying for it? If youre paying yourself you should try to get under 200mo, tack on the 90 for your phone and youre down to 1200mo from 1500mo Id probably pay 600mo towards my loan, stick 500 in savings, 100 in checking, and try not to move money from savings to checking during the month.You have debt and very low income, you dont have a lot of room for fun money. On top of that, you dont really make enough to move out easily. 600 for rent, 300mo for carinsurancegas, then 360 in student loans and youre negative. Something somewhere would need to be cut.If you have multiple student loans you can pay one or more of them off first and thatll drop your monthly minimum ... but you really just need more income. 