<prompt> Human: Ive been over to this subreddit before for advice. I now have really dug myself in a hole and have no idea how to get out. Currently I have 50 in my savings even though my gross earnings in 2016 was about 26,000. Im 24 and going to school part time while working full time. Still living at home with my parents, but my goal is to move out this year. My only issue is I cant seem to save. My shopping and spending habits are out of hand. Heres about what I spend my money on per month: car insurance 244 car loan from parents 400 gas 100 - groceries 150 - therapy 30 extras apple music, netflix, cat, gym 60 entertainment with friends and or boyfriend 100 :Luckily I still live at home rent free, but I really just need to start saving. I get paid biweekly which ranges from 650-850 per pay check. My parents have been beyond helpful, maybe even too helpful. I want to be fully independent.  <response>: Your expenses total to 1084mo, with an income between 1300-1700. You need to figure out where the rest of your income is going. I would guess you are spending more on entertainmenteating out than simply 100. Track your expenses for a month, or back track your expenses from the past few months by using your online bankingcredit card website. Also, your car is absurdly expensive for your income level. Sell the car and buy a used one which could lower insurance too. Good luck with your savings. 