<prompt> Human: So I just accepted a job offer for 18 an hour, 45 hours a week. I get a 1 hour non paid lunch break every day meaning I would most likely be getting paid for 40 hours a week. Im 22 years old with my only real expense being car insurance 1300 every 6 months. I have one more year left of school, my loans would be be around 20k max. How should I budget?  <response>: Well, list your expenses. Everytime you purchase something, record the transaction... Either by writing it down or using an app that is linked to your bank account and credit cards... When you record transactions, you will see where your money is going 