Everyone's situation is a little different but here is how I structure my finances.
I have a few different bank accounts, one being my checking account, another being my savings account, and the last being my "rainy day fund". I like to have $300 cash in my wallet at all times, so let's go through my last paycheck and how things ended up. Basically the checking account is money I have access to at any time, the savings account I try to never take out of unless of emergency and the rainy day fund I don't touch unless life is going really bad. Basically that's my retirement money I guess? Trickling down, like I said I keep $300 in my wallet. Then I keep $5,000 in my checking account. Anything over that goes into my savings account.
Last week my paycheck was $2,624.64. I already had the $300 in my wallet, and now we're at the end of the month so all of my bills are paid, this paycheck is a really easy one to divide up. Right off the bat since this is all "extra" money, and I don't have to worry about what bill needs to be paid I throw 50% into my rainy day fund. With what's left I start at my wallet, do I still have $300? Yes, so no need to put anything there so the rest can go into my checking account. Am I at my $5,000? Yes, so in this case $1,312.32 went to my rainy day fund, and $1,312.32 went into my savings account.
Say it's the beginning of the month, my number 1 priority is getting bills paid. If 100% of my check goes to bills, then that's what happens. By the second week most of my money should be going into my accounts and the 3rd and 4th week are 100% going into my accounts.
It's easy for me to sit here and say how easy it is to save money, but I know I'm in a very unique position. My bills are considerably low, and I make a decent amount of money. Let's look back to when I was 16. My truck was paid so my only bills were car insurance, food, gas, and whatever entertainment I wanted. I only made $10/hr under the table, my car insurance was a little over $200/mo. I was usually only able to work the weekends as I had school so I usually worked 10 hours a day so I could make $200/week.
Looking at it monthly, I made $800 per month so 25% of my money went to car insurance. I usually spent $200 in food as well so there's another 25% of my check gone. Gas wasn't bad as everything was within 15 miles of my house so I might've spent another 14% of my money on gas. Now I have roughly 36% of my money left to figure out what to do with. I was actually pretty smart, I kept $500 cash and with the rest I split 50/50 between throwing it in a savings account and investing in silver.
I am very analytical so I will go through my bank statements and see exactly how much I spent VS how much I made and when I first started doing that I realized how much I was spending on stupid stuff. Now people are going to say that yeah you can carpool or catch the bus to save money and it works, but it's just not practical in my opinion for my lifestyle. When I started seeing that I was spending 60% of my check when my bills accounted for 30% of my check I took a hard look at what I was spending money on. I started saving money by only going on dates every other week instead of every week (no one told me how expensive dating was ), I started refilling my water bottles instead of buying more, I decided my truck was costing too much so I sold it for a newer one, and I noticed I had a lot of stupid recurring expenses. For example, I was buying shoes every few months because I bought the cheapest ones I could find. I ended up buying a mid quality shoe that so far has lasted me a year and a half so they're actually saving me money lol. I also noticed I was paying for Dropbox storage, Netflix, Youtube, Tinder, Bumble, pretty much every dating site under the sun, etc. etc. I decided that I don't watch Netflix so I stopped that one, I watch Youtube on Google chrome which has a cool extension to stop ads so I stopped paying for that, and I stopped paying for dating sites that weren't getting me anywhere.
Anyway, in your situation I forgot what the actual numbers were but in my area they said housing should be about 50% of your check at most, your car payment should be 20% at the most, and your bills (phone, food, utilities, etc.) should be 25%. You should be able to save at least 5% of your check, then theoretically in 7 years when your car is paid off you should be able to save 25% of your check for a few years until you need a new car.
Financially just as a smart thing, unless your car is giving you problems and costing you tons of money then look into buying a house. A house should make you money by the time you sell it and is a livable investment.