Not in the same boat as you as I got decent financial education about saving money from my parents. Okay legit advice here. You have only two options. Earn more OR cut your expenses. The best is doing both. There's of course a minimum to expenses. You have to reflect on every part of your expenses, make a list of all fix costs that are not immediately changeable (rent, electricity, water etc) then make a list of changeable expenses (food, restaurant visits, cell phone contract etc). Then a list of completely redundant expenses that are not needed for survival which you've done in the last year/365 days. (New TV, cell phone, expensive clothing etc). Compare all of that and analyze what you can cut down. If your rent is high and/or your apartment is too big for you, move into a smaller one with the saved up money from above cost cutting. And on the side look for better paid jobs and change jobs/companies every 2 years. It's too much of a hassle to discuss with your employer why you should be paid more just look for other companies, statistics show this is the best strategy to get a salary increase. Sounds like your situation is pretty dire, so start right away! All the best, mate, hope it helps.