We weren't exactly taught how to budget or encouraged to save our money, but what good is working all day to spend all of it on useless things? I was spending all of my money until I sat down and figured out how much money I was thoughtlessly spending, you can save that money invest it and then enjoy spending your money again because it's not the money that you worked all day for. Let me know if you are interested in the budgeting worksheets, and I will try to find them for you.