<prompt> Human: Hi guys, Im new to Reddit so excuse me if I havent done enough digging or there is something already out there. So Im 19 years old and Im from the UK. I left school with decent A-levels and bagged myself a decent job earning 21k a year. I was there for about 18 months and have no savings from it. Ive recently started a new job where I am earning 35k bonus but Im just horrendous with money and savings etc. My parents haven ever been especially well off and have always lived paycheque to paycheque we are by no means poor or anything just financially stupid I think and I fear I am going the same way.At the moment I pay my parents 250 a month to help out with food and bills. 25 goes into a share scheme which I will cash out next year for about 2k. My other monthly bills stack up to about 370 travel, phone, car insurance etc. I also have a credit card which I am probably to happy to use at times but I always pay it off at the end of the month so no real issue there. I also go out a lot so spend a lot on alcohol and food etc. And Im a bit of a sneaker addict...So Im struggling to budget and save, which sounds stupid I know considering how much expendable cash I have but could do with your guys help! Do I set up a savings account? I would rather have my money working for me surely? Is it worth putting money into start ups? Some people offer FX trading tips, how legit is that stuff? Stocks and shares ISAs? Theres so much stuff out there and dont know how best to use it. Ideally I would like to move out by 2324 and I dont want to rent, so Id like to savehave around 30-50k over the next few years to buy a place London is very expensive. Even if you just point me in the direction of a few articles I would be very grateful! Thank you Reddit fam!  <response>: By my calcuations, you have 1605 or so left over each month. Where does that go? Is it in an account or are you spending that too? 