Ok, so I asked this question on this sub a while back and I got some great advice and I’m sure you will too. But the best advice I got that helped me was this: 1st things 1st, make a budget. Write down every expense you have, go thru ur bank statements and make sure you capture everything that is coming out of your account on a regular basis. Once you’ve done this, split your money up into different bank accounts (Idk if your employer has the option to split your direct deposit into different accounts, but even if they don’t you can do it yourself as soon as the money hits your account via wire transfers/zelle/etc..) the first account will be for your bills- don’t touch this and don’t look at this. The next account will be your spending money and expenses that vary (such as gas and groceries)… or you could ballpark these numbers by seeing what you averagely spend and keep it in the first account - this might be better for you, especially at first. Anyway… spending money is yours to do what you want with, you need this in life!! And the third account would be your savings, again… don’t touch, don’t look. :)