<prompt> Human: Hey yall.Im 24, and just started working an almost full time job in a new city yay!. Unfortunately, I never really got the hang of ignoring my impulse to purchase and used my funds and my credit card with wild abandon in undergrad. Luckily, Im now deathly afraid of the thing. The last year has been rough, getting sick with no insurance, working shitty jobs, a job where my boss up and left overnight, and Im really lucky to finally have something stable. I really want to get back into a regular schedule of saving money and paying my bills on time. What tipstricksmantrasTED talks dodid you use to get your financial life on track? Any help would be greatly appreciated. Inb4 ask your parents, I asked my mother and she said God came to her in a dream and laid it out for her. I dont have that kind of pull, folks. Thank you!  <response>: Pay yourself first each month. Before turning to any bill, transfer 15 of your net pay into a separate savings account, and live on whats left. 