I'm a student and i work full time too
The one thing that has really helped me is the concept of PYF (pay yourself first). Every single check i get - i set aside money and put it in my savings account- even if it's only $5- it still keeps me in the habit of saving a little- and ALL of that money adds up! I'm only 21 and i'm huge on saving. Nothing will motivate you more than seeing your single mom struggle her whole life to take care of you- i am trying to take care of myself finanically now so that i will be able to provide for my family and future kids when i have them. I don't want to have to depend on anyone else to support me. I always want to be able to take care of myself. / Also- I save my change- i know it might seem like a hassle- but all of that change really adds up! Every other week i empty out my wallet of the change in it and save it. Then when my jar is full enough i take it to my local Coinstar (usually in your local grocerystor- looks like a little ATM machine- you just pour your change in and don't have to roll it or anything.) The last trip i made to coinstar i had over $75 worth of change - it really adds up! I used that for Christmas gifts and groceries. / The main thing now is to just start getting into the habit of saving. Also -record how much you spend every day (you'd be suprised how quickly bottled water and lunch can add up!) and record how much your check is every time you get one- include your bills you have to pay and include a spot to PYF with every check. Make savings a habit- and once you put money into your savings- DON't touch it! Take out a seperate savings accound if you need to- one just for your trip or retirement or whatever- one you only add to and don't take anything out of.Also- if you don't take the sunday paper now- order it! The money you will spend on it you will save in cupons and groceries!!!!!! Definitely use cupons! I work in a grocery store right now (i spend 1/2 my time running the floral dpt. and when they need me i cashier too) i cannot tell you how much people save when they use cupons! And don't forget to ask if the store doubles their cupons- every little bit adds up! Also- many store brands and off brands are just as good as name brand- look around
/ Also- go to your local libary and check out some of Dave Ramsey's books- he's INCREDABLE as far as giving people tips and advice on getting out of debt and savings!!!
And the main thing to remember: if you don't have the money- don't buy it! / Also -one rule i operate by- if i don't have the cash for it- i don't need it. (i don't use credit cards- the interest rates and other issues are something i do not need. I avoid them at all costs. I have one for emergencies only- and i never use it. There are ways to establish good credit without having to have a credit card- one of the main ways is paying your bills on time every month. I always try to pay mine a little early if i can- so i avoid late fees.) Good luck!