Track your money –  everything that comes in and goes out. Don't worry, there are free apps for that, or you can just use a good ol' spreadsheet. Once you see where your cash is flowing, you can figure out where to cut back and stash some away for savings and bills.

Safety net time:  Having a rainy day fund – an emergency fund – is key. Aim for 3-6 months of living expenses to cover unexpected bumps in the road.

Debt? Let's tackle it: Focus on those high-interest debts first, the ones that are like a money monster sucking you dry. You might even be able to combine them all into one to make things easier to manage. Remember, debt can steal from your future, so getting rid of it is a big win.

Investing 101: This might sound scary, but hear me out. Time is your best friend here. Even if you can only start small, put some money away for the future. Spread it around in different things like stocks, bonds, and mutual funds – that way you're not putting all your eggs in one basket. Index funds are a great option for beginners, because they're low-cost and easy to understand.

Retirement whispers: If your work offers a retirement plan, jump on it!  The earlier you start, the more that magic of compound interest (money making money!) can work for you.https://financeperhour.com/