The only two cents I have for everyone is spend some, save some. That way you have money to be able to do what you need to do. By that, I mean pay your bills, get a house, shop if you want, pay for college (if you can't get financial aid) you know things that you would like. I use to save my money great but I slipped on it by doing wrong things with it but I change I learn from it. That I'm trying to get back on my feet. I stumbled in the way of my financial situation; even though it's not the best, would like it to be better but I'm ok with it. So, if you have a job put half your check in the bank or where ever you want to do but if you put it in the bank it grows interest(then you have more when you look at your account again) and the other half go for it. Keep on doing that.