Did an intern write this? Awful article
Re: savings, here is my tip. First, create a savings account. It's a lot easier to save money when you put it in a dedicated account, rather than having it all sloshing around in one account. [This actually leads to a somewhat unrelated piece of advice: create a separate checking account for your bills. Have your company's accountant direct deposit half of your money into your 'Bills' account, and half your money into your 'Regular' account. This will help prevent the "Holy shit, it is time to pay rent and I did some wack math in my head when looking at my account balance and now I have to borrow $200 from my boyfriend" trap that we all fall into at some point or another.] Then, every time you get paid, ON THE DAY YOU GET PAID, take a dedicated sum from your checking accounts and transfer it to your savings account (if you get all your accounts with the same bank, you should be able to do this online for free). It can be as little as $10. If you get paid every two weeks, that is $20 a month. Pretty soon, the amount will start to build up, and if you do an amount that is comfortable for you, you won't even miss the money you put into savings. You may find that you want to put even more money in than you originally thought would be comfortable for you ("Wow, putting $10 in every two weeks is easy...maybe I'll up it to $15!"). I started at $50, and now I'm up to $75. Soon (as long as you don't raid the account), you will have savings!