Don't spend your money until after you earn it. Put away a percentage first for your future even if it is only $20 a week in a year that is $1040 dollars. That is money for nothing at all just to leave in the bank. When you have an emergency if will help make you less panicked. Gradually slow your spending so if you are paid on Friday and buy groceries on Friday, buy gas on Friday, go out on Friday delay it all until Saturday the wait a few weeks and move it to Sunday then Monday until you can do things without concerning yourself with the day of the weeks, shopping a day or two before payday or the day after don't matter since you have a cushion.
Judge each purchase against your future financial stability. So standing in front of a vending machine you choose spend money or put it in the bank, let the bank win some of the time.
I don't have a car and I live with my mom but she will move out so I can have this place on my own. I don't have to pay for rent monthly. This apartment is free and I can save more money into my bank account. Does that help me to be financially stable? Like separate the money for me spend little and for the saving account?
First - get a job. The most important thing is to spend less than your earn. Everybody has their own system. I would put my money in the checking account for fixed expenses such as rent and car expenses. Then I would give myself an allowance for the fun stuff, like restaurants, clothes and bar hopping. If I ran out of my allowance for the fun stuff, I simply wouldn't do it until the next payday.
Buy nothing on credit, if you don't have cash don't buy it
Use only cash to easy to overspend using debit and credit cards
pay off all your debts and have a good job sufficient to meet your cost of living
