<prompt> Human: I finish up in my current job on Saturday and Im starting a new one the Monday after the 24th. This new role will give me 3000month, post-tax. It is, however, paid on the 15th of each month. Up until now, I have always been paid weekly, and Im not sure how to manage the transition to monthly pay, as there will be a 3-week gap in which I am not receiving any income apart from about 8 days of annual leave which will be cashed out - I estimate this to be about 700. I currently have no money saved at all, so Im really worried that Ill end up putting everything on my credit card until my first pay day and Ill get into a cycle of playing catch-up instead of being able to save properly. I have about 5K worth of credit card debt split over 2 cards, and about 24K of HECS student loans but the latter is not a huge priority for me at the moment, as its taken out of my pay automatically. I would ideally like to pay this off in bigger sums when Im a little bit more secure. My monthly expenses are 500rent, 110 mobileinternet, 60 gym fee contracted until June, about 140 in petrol, 89 car insurance, and approximately 300 in groceries and 200 in leisure, for a total of 1400. I am aiming to pay the other 1600 onto my credit cards, so that I can clear the balance asap. Once I pay off my card, this money will go into my savings. Is there anything I can do differently here? What sort of advice do you guys have for living on a monthly paycheck? Thanks very much!  <response>: no money saved at allI dont have any easy answer to that.You should be looking to cut back wherever you can until you get paid.Being paid monthly may actually be good. It will force you to think in terms of one months worth of spending.Once you get going, Id lock away those credit cards and commit not to use them until theyre paid off. 