<prompt> Human: Hello All,First post here and couldnt find any links in the sidebar to the rules, so I hope that I am not violating any in this post. I apologize if I am.A little background: I have been in college for over 4 years working on my Bachelors Degree. My grandmother group up in the Great Depression and was extremely conscientious of money, given the hard economic times she dealt with as a kid her family was extremely poor. She passed on her great financial knowledge to my mom, who has been doing so with me, which I am extremely grateful for. I recently got my first job for while I am in school as opposed to just summerwinter break jobs. The extra cash was great, but I did not handle it responsibly at all. Even though I was making the most money I have ever made, I was also in the worst living paycheck-to-paycheck situation I had ever been in and would oftentimes go into the red and have overdraft fees. I was sick of being so financially stressed constantly towards the end of the month, so I decided to finally listen to my mom and start my own budget.I was apprehensive to starting one for the longest time because it sounded like way too much work and wouldnt be very beneficial. I could not have been more wrong. Since starting my budget, I have so much more money and no longer live paycheck-to-paycheck. It is a very simple thing to keep up with and is so helpful for seeing where all of your money is going to and making necessary lifestyle changes. It has even helped me so much that I am able to put 15 of every paycheck into an emergency fund and could easily put more in if I deemed it necessary.Even more, budgeting is a useful skill to have later in life, so it is good to learn early before you have any major debts whether it be mortgages, loans, credit cards, etc. It can help avoid credit card debt and allow you to know exactly what you can afford for bigger purchases like cars and homes. It only takes a couple minutes a day and is easy to learn. I simply downloaded an Excel template for a budget and edited it to cater to my needs. I make sure to get all receipts whenever I make a purchase and take the two seconds to enter the amounts into the budget that day.I hope this was helpful for you. It is never too early to start a budget and can vastly improve your quality of life. I highly recommend it for everyone. Cheers!TL;DR: Didnt know how to handle my money, started a budget, won at life.  <response>: Ugh, yeah I wish I had done this over the summer, I live at home and have enough aid to cover tuition, so I have no debt and if I really need money, I can ask my parents, I made the most Ive ever made this summer mowing lawns and the like and was able to buy a new computer I needed a new one but I didnt necessarily need to spend 800 on it tires, I really needed those and a new lawn mower. But as of right now, i have like 2 in my bank account and have had to borrow money twice in the last week for gas I drive a 17 year old SUV so I only average like 12-14 mpg. But my birthday is coming up so thats a plus : 