<prompt> Human: I like to scan through posts from this sub whenever I see them pop up on my front page. Just to get an idea of how people handle their finances. What Ive come to learn is the majority of success and tips are coming from people who make a hell of a lot more than some of us. Everyone talks about how important a good savings account is, but for those of us on a hard budget, it is impossible.For example;I make about 24k a year as a veterinary technician. I am currently back in school finishing up a degree being paid for by someone else, Im lucky as hell.With rent, car payment, auto insurance cannot afford health insurance, even through my company, credit cards, etc, I am lucky if I have anything left at the end of the month. When I do, I put it into savings, but it only takes one unexpected event to force me to drain my savings which has never exceeded 250. Despite budgeting, cutting out all luxury items, never eating out, etc, it feels impossible to make a dent in my debt, much less save for the future.What can people like me do to make debtliving more manageable and prepare for the future?  <response>: One thing you can do is try not to rack up anymore credit card debt than you have to. Ive been financially stable for several years now but Im finally seeing the light at the end of the tunnel regarding my credit debt. I was unemployed for about 6 months in 2010 and then worked part time for several years. I thought credit cards were unspent money lol and it landed me in a hole.Dont use the cards unless you have to! Itll make life easier down the road. 