<prompt> Human: Hi PF,I was referred to this subreddit by a friend of mine. As the title suggests, Im going through what feels like an endless cycle recently. Im going from payday to payday, spending my wages within the first few days of receiving them and then struggling for the next week and a half. Im also in around 70 worth of debt, which Im aware isnt much but I just focus on buying crap like games and takeaways as opposed to paying off my debts. My question is how do I get out of the cycle of putting random luxuries in front of necessities like savings for a car or flatapartment? A little background info:I earn around 450 a month, and am paid every fortnight. I live at home, with my mother. I dont currently pay board but will start doing so in two weeks, she wants 80 a month which is more than reasonable. I pay 15 a month on phone bill, around 50 a month on tobacco and 50 on bus fare to commute to work. Other than that, I have no other outgoings. It goes on nights out, games, clothes or coach tickets to see distant friends. Im worried this is more of a personal life issue than a finance issue, but thought Id ask for advice from you guys anyway. Thanks for reading this far.-Andy  <response>: Quit smoking. You are spending more than 10 of your income on something that is killing you. 