Some background: 25 years old, I've lived with my parents most of my life. They were never good with organizing their finances either and though they consistently told me how important it was, I've always had almost no self-control. Mostly little purchases you never think of adding up, etc.
Anyways, I am just starting my first Full-time job with a salary and benefits. Almost all of my previous jobs were part-time and retail. It's a government position, benefits are great and they do a OPERS plan instead of 401k: basically the same thing, I put in 10% of my salary and they match 14%.
I have $300 to my name. Around $500 in monthly bills (credit cards, student loans). I'm staying with a family friend who is charging me "rent" ($600) and putting it aside for a down payment on my own place.
I've been really cutting back my spending and keeping track of what I do spend. But as of now, I will not get my first full paycheck until mid-Feb.
I don't really know what I'm doing or the best way to do it. Any serious advice, apps, programs you recommend would be so great.
Edit: Thank you everyone commenting help. I'm spending the day looking into the recommendations!
Submitted January 19, 2019 at 12:14PM by lightsup11 http://bit.ly/2APmVHp
