<prompt> Human: okay, well the title says it all, i am 20, i DO currently work but ive only been in the job 16wks, i have no money left in my bank due to christmas ect. and paying of family for when i was out of work, so here i am, a clean slate.. WITH a job. subject to change, found out recently theres a re-structure going on and I, amongst alot of others, am in a sticky place.... For now anyways, i am 20, WITH job, no debts apart from a 100 littlewoods i got for credit score i have the 100 in my account it comes out of, so i am completely safe..So my main question is WHAT DO I DO NOW... Like, where do I start, how much shall i save and whenwhy? do i invest x of wages into stuff, what stuff? EVERYTHING is confusing me, but I refuse to live blindly, spending each 250 payment on clothes, alcohol and fecking shoes.so what would you do, if you could turn to your 20Yo self, what would you say?SORRY for the ramble, tried to cram as much detail as possible, all advice is welcome and i can provide any info needed!thank you so much guys.  <response>: How is your situation strange? Read the FAQ. 