BUT, it's not just about paying off bills.. It's also about saving money for now (I'd love to have my $1,000 'emergency fund' finished by the end of 2015), AND saving for retirement..
Last year, on my 30th birthday, I started putting in $15/paycheck into a 403b account.. My job, thankfully, will match 1/2 of your contribution (up to 4% of your salary).. I found this last part out (the 4% part) just recently, so I decided to up my contribution to 2% of my paycheck.. And will continue to up it each year by 1% more.. In most cases, my contribution should be around $25-30/paycheck..
If you have the option, at your job, to contribute to some kind of retirement plan, please take advantage of it.. I'm barely making ends meet some paychecks, but I make sure to keep that going in.. Because while it may be hard now, I can work more.. If I end up 80 and broke, I can't get work too easily..
Also, this paycheck is when my auto deposit starts in my savings account.. It's at a bank that I can't physically touch, and has a decent interest rate (.75% APY).. Plus, some of the money I make on the side too..
This paycheck was interesting, as it has all my changes on it, PLUS I had 24 hours of overtime on it.. So, this made my 2% contribution to my 403(b) $59.. Lmao.. Oops, forgot about that part.. Eh, can't hurt me..
Got Christmas paid for, and got some ideas to bring in extra income (will talk about that once I get it rolling, since I'm the queen of false starts).. Now, onto working a bunch and starting off 2015 on the right foot (my first paycheck of the new year falls on the 1st)..