Well I am also in the same boat as you, although I did get tax returns back which is heaven scent haha. But I do the list every month, I write down My most needs that I can't live without that needs to be paid, checking, and savings even if I only put 5 bucks into My savings, at least I know where it's going.
And then I write down My want's and take like 20 bucks out so I can get whatever it is that I need. Just think of what you really need to live with and what you really don't need. It's a starter and always works, you wont ever be short if you do it right, It's basically learning how the smallest amount can expand. It can be done not easy at times be it is doable.
at 2:26 AM on Feb. 22, 2010