[corobo]

I work and earn money, my balance has never been above zero. Worded it clumsily maybe.

[fouc]

I don't know if it would be useful to you, but perhaps try reading some of the blog posts on earlyretirementextreme.com. Lots of good ideas there on how to save money, be frugal, etc.

Or read a book like "Your money or your life"