<prompt> Human: My question is how do I start and move forward when I am done.I will have about 50k CAN, Newfoundland and Labrador if that matters in student loans when I graduate this coming December.I have no other debt and am up to date in other bills. I dont have a car or mortgage or anything.I am horrible and saving and budgeting.  <response>: I am horrible and saving and budgeting.Fixing this is where you start. 