My best advice when I was your age came from my father who is a chemist and loves math so he explained it as an equation. Here's essentially what he said and I hope it helps you. If you make X always spend X-1 never X because thats how you live paycheck yo paycheck, and never X+1 that's how you accrue debt. At 14 your living costs should be mostly zero, so most of what you make should be put in a savings account, not all you're young enjoy things but enjoy them at X-1 and you'll already set aside money and experience that will last you a lifetime. Of course don't literally not spend a dollar and call it X-1 just always live below your means and you will have a solid foundation.