<prompt> Human: Hey guys this is my first post on this sub after a few months of lurking, but now i found myself in a bind. Im am on my last year of high school and my mom is preparing me to be on my own the only issue is that she doesnt know how to manage money and sadly schools dont teach that at least at my school. I have a job as a janitor making 8 a hour and working 4 hours a day adding up to 20 hours a week. Basicly i get paid twice a month5th and 15th for two weeks of work each pay check adding up to 320 everypay check. My mom isnt going to pay for the things i need sense Im technically an adult, but she is allowing me to live rent free. I have to pay car insurance of 200 every month cant get lower because car is in moms name and she recently had a car accident raising her insurance priceI also have to pay 40 for phone BillAnd 120 monthly for gasSome how i manage to join my local gym thinking Im only going to pay 30 a month but SOME HOW getting TRICKED INTO SIGING A CONTRACT with a personal trainer to meet him 4 times a month and pay him 120 ever month 30 per session for a year.Im not good with money at all and i manage to pay all of these some how but Im constantly asking my mom to barrow money and Im never able to put anything aside to save. Truth be told i cant find another job because of school and lack of time, BUT IM BEGGING YOU GUYS TO HELP ME FIND A WAY TO MANAGE THIS AND STILL BE ABLE TO SAVE A LITTLE MONEY. Sincerely, teenage boy who cant manage money.  <response>: Get out of that gym contract ASAP. You dont need a gym membership at all right now, not even the 30mo you thought youd be paying. Save that for when youre out of school and have a full-time job, IF you can afford it then. Good luck! 