Step one is to give yourself a balanced budget that involves a little bit of spending, a decent amount of saving, and you not wanting to strangle your workplace because you feel you don't get enough money.
Here is a general one that you can tweak to fit your lifestyle, and in some cases you'll want to tweak your lifestyle to fit the budget.
10% of your monthly income should be going to long-term (retirement) savings.
15% goes to debt repayment/emergency fund. Normally, I would say put all of this into a regular savings account until you have at least 6 times your monthly income, the more the better.... BUT while you're in debt, put all of this towards the debt, and instead take that above 10% retirement and put 2% towards retirement and 8% towards the emergency fund.
35% goes to housing (rent, mortgage, bills, utilities, insurances, etc.): The idea is to aim for under this amount so that you can put left-overs into another savings account for repairs and household needs.
15% goes to transportation (gas, insurance, repairs, bus). Any left-overs goes to the other savings accounts.
25% goes to life (food, entertainment, clothing, gifts, travel, medical, wants, phone, internet, cable, other). Divide this number by 4 to see the amount you have weekly to spend on all of these things.
For all savings accounts, set them up to automatically withdraw a set amount from your checking accounts; you're saving without ever having to think about it, and if you choose savings accounts that have a penalty for withdrawing from them too early, you'll be content to just let them sit in the bank and watch them grow. Not to mention you can give those different savings accounts names, like "Vacation Fund", "New Car", etc. I've taken it a step further and nicknamed my credit cards "Evil" and "Minion". I do not enjoy seeing numbers on those two :P.
For your life expenses, grab some jars and label them with the things you want to spend money on. Take your weekly amount that you can spend on life and divide it up amongst those jars, then label them with those amounts. At the start of the week, you take the cash out of your bank account to fill the jars with those amounts, and then YOU DO NOT TOUCH YOUR DEBIT CARD; it stays locked up at home until the start of the next week, when you'll put those amounts into the jars again. The idea is to save up over time.
Example: you put $10/week aside for clothing, and in 4 months, you have $160 to go shopping for things you need.
Because you'll be dealing in cash, you have to track every single penny you earn and spend. I have a budget sheet that I can kind of show you on here to help you track.
DATE - EXPENSE - AMOUNT SPENT - PAID USING - AMOUNT SPENT SO FAR - DEBIT
So let's say that I have $700 in my bank account right now..... I pay for groceries at no frills for $38.10 using cash, and then I pay for my $500 rent which is withdrawn from my debit. But look, I work at walmart and I'm getting paid $423.42 for work.
11/12/2013 - Groceries-No Frills - $38.10 - CASH - $38.10 - (N/A)
11/12/2013 - RENT - $500.00 - DEBIT - $538.10 - $200.00
12/12/2013 - WORK PAYMENT - $423.42 --> DEB - (N/A) - $623.42