<prompt> Human: Just opened my checking and savings account.Currently working in a kitchen for 12 an hour. Currently saving for a school trip which is about 1200 dollars to New York but its next year. After that Id be looking to save for a car. Apart from not eating out, what are the down to earth tips I need to know?  <response>: Since youre 15 and dont have bills or much to budget, give yourself something like 20 or whatever seems reasonable a week to spend however you want and then put the rest directly in savings. Try not to spend your 20 a week, save that up and get something big you want. Or you have 20 to go out with friends. 