I believe everyone or almost everyone here has said it - save, save, save! I know it can be extremely demoralizing seeing your bank account balance - I started with less than 1k in my account when I was a fresh grad - but just remember, it’s ALWAYS better late than never. So, begin today! :) A habit I’ve forced myself to consistently do every month - once my pay is in, I will set aside my monthly expense amount (say, 1k or 1.5k for months I expect to spend more) and transfer the rest into a higher yield savings account, such as Jumpstart. (For me, I also set aside some other $ for investments, or giving parents allowance) So the only amount I’ll touch during the entire month would be that 1k. This has been rather helpful for me so far :) And, download an expense tracker to keep track of your expenses - this will give you a real-time view of how much you’re spending every month and do make sure you commit to recording all of your expenses regularly, so that it’s accurate. Seeing the actual amount of your individual spendings feels VERY different from just wondering where all your money went to at the end of the month. All the best!