Honestly if you are being irresponsible with your spending of the rest of your money you would be irresponsible with it all given the chance & not having someone monitoring you.

First off you should be SAVING out of what you have left first off then any left over should be spent on things that you NEED, not WANT first. Big difference between the two.

My H is totally irresponsible with his money. I left him because of that & all the other irresponsible choices he made with his life. Tolerated it for way too long. From 2100 miles away, I tried to get a conservator for his disability money after he got the house foreclosed on & then when I found out he was using ALL his money & living on overdraft charges to pay all his bills. Honestly if he becomes homeless at this point it is because of his irresponsibility. You are lucky to have a mom caring for you....but you need to learn how to be responsible because later on there will be no one to watch out for you & on your own the way you are going in your older age you will look just like the jerk my almost ex H looks like to those who really know him. Sad when even his daughter sees him as a looser. I have shared with her what I think is really going on with him & it's not just adult ADD....but for those who really don't know the details, people who are irresponsible financially (not just down on their luck or effected negatively by the economy.....but truly irresponsible with their spending).....just look like losers to the outside world. You are at the age to learn how to be responsible so that when you do live by yourself without anyone holding you accountable....you will be capable of holding your own self accountable.