<prompt> Human: Happy new year to everyone here. I have recently graduated from university and I am currently debt free a relative pain my school fee. I will start a job in a few days. The thing is, I live with my mother and siblings who live well above their means and are heavily in debt all adults but housing is expensive where I live. Since all their money is spent paying bills, 4 loans and food, they already have plans for my money. They waste electricity, water ect. I just moved back home a few weeks ago after studying in a different country and my head hurts. Any words of advice on how to stay debt free and save money in a family that uses everything in excess? thank you.  <response>: they already have plans for my moneyThen move out, create a budget, and refuse to give them money for stupid things. 