Ever since I was younger my mom ALWAYS stressed the importance of budgeting, debt, etc. Needless to say i was a very rebellious teen and I opened credit card after credit card and she has had to bail me out. It's so embarrassing. So here I am 22, a single mom, and my parents still help me out tremendously (just from the goodness of their heart). I work full time, but since I recently finished school it's entry level pay which is $10.00/hr. Not much, but hey I love what I do. How do I begin to budget so I'm not living paycheck to paycheck?