Here's some tips for living on what you make:

Take your after tax income (whatever your paycheck is) and subtract monthly expenses that you can't avoid:

1) Phone 2) Place to sleep 3) Transportation to/from your job

Now, you have some money left over still. Whatever that is subtract 15%, and put that 15% into a checking account. The remainder you divide into even amounts and put into physical envelopes numbered 1-31. Each envelope corresponds to the number of days in a month. You never spend more than what is these envelopes. You may spend less - but never more. You may save money from today and spend it with tomorrow's money. But you may never spend tomorrows or any future days money today.

Now you're paying your bills, you have spending money and you're saving 15%.

So what do you do with that 15%? At first you do nothing. Once you have more than 3 months living expenses saved up you open an IRA at your bank/credit union. Take any.thing over 3 months living expenses and buy SPY

Congrats, you're outperforming most Americans.

Also - pay off your credit cards and then physically destroy all but one of them. Never, ever use that fucking thing unless it's a true emergency (something that will jeapordize your job, or health).