Pay attention to your money flow
Savings
What and how to save
Saving money is one of the most dificult financial responsibilities a person can have. Savings are essential to a comfortable lifestyle, they remove worry about sick days and emergencies.
Income
Whats coming in
Income is not exclusive to what your day job brings in. Any money you make, be it from a hobby or side gig, counts toward income. It may seem like a good idea to keep it seperate for a "cushion", but that money often ends up spent on treats.
Expenses
Where the money goes
Expenses are everything you trade your hard earned money for. Gas, rent, electricity and even the soda from the long ride to work are expenses. List everything you can, and give a set amount for those treats each month.