<prompt> Human: I turned 18 last month and would like to start budgeting properly, but all of the spreadsheets on the wiki seem to be geared towards people who are a bit older, i.e. salaried, putting money towards retirement, etc.Some info about myself:- I would like to begin investing, but I dont know how to get started. I used to frequent rinvesting, but I havent for about a year.- I have a credit card with a 500 limit and have begun building credit Discover It Card.- I have completed 54 credit hours, so I am nearly halfway finished with my degree I earned 24 credits during high school from dual credit courses.- I have accepted a total of 8,000 in mostly subsidized loans.- I receive 3,750 in scholarshipsgrants each semester 7,500year- After living in university housing last year, I will be living in a 2 bed 2 bath apartment with 3 other people for the next 12 months, starting in mid-august.- My parents will likely continue to pay for my phone bill and car insurance until I finish college.- This summer I have worked as a waiter at a local restaurant. When the semester begins, I hope to work the Help Desk IT at my university. This would likely pay 9-10hour, working maybe 15-20 hours a week. 500month?My regular expenses will be: Rent Utilities Internet About 270 Im not entirely sure how much utilities will be yet.Renters Insurance 150yearParking Pass for School 240year :Food ?? Last year I had a meal plan through the university, so I dont have a clue how much money I will be putting towards food. Things for the apartment, i.e. toiletries, cleaning supplies, etc. ??Tuition 5100semesterBooks each semester 150 I try not to purchase textbooks when possible. I also regularly spend money on gifts, dates, clothing, etc.Here are my questions:1. What is the best way for me to budget? YNAB, Mint, spreadsheets, etc.2. What should I be doing with my current savings 7,000? This money is currently just sitting in my checking and savings accounts, not accumulating any real interest. If youre wondering why I took out loans when I have these savings:I have been taking out subsidized loans to avoid dipping into my savings, because AFAIK, the subsidized loans do not accrue interest until I am finished with college. So as long as I have the money to pay them off when I graduate, I will only owe the money that I borrowed 8,000.If anyone has any other suggestions, please feel free to share. Thank you!  <response>: Im also in college and just happened to be on this sub out of curiosity, so I am in no way a good source of information. That said, IMO investing is not something you should look at until your school loans are fully paid off. They will rack up more interest faster than what you could probably gain by investing whatever meager no offense savings youll have by the end of school. 