<prompt> Human: Hello! Im looking for some great tips on saving and spending habits I should really get into as I make my way towards saving for a nice apartment. Im currently 21, working for the City of Memphis for the Memphis Police Department. I have about 15k saved up at the moment and make about 800 biweekly not including overtime fortunately, the City is paying for my college as I work towards my associates degree. Im living with my parents and Im getting giving them 300 the first of each month to have a better understanding of paying rentbills etc. I really dont spend much money other than lunch and gas. My car is getting older, so Im trying to be aware that one day that car will break down leaving me shorter on money and making my process of getting an apartment to be longer. Are there any tips, strategies and spending habits anyone could share when they moved out the first time? Thank you for your time!  <response>: Live at home as long as you can take it 