Q: Again, this part just means that her friends aren't breathing down your neck. See if you can get her to talk to you right after school, at a birthday party, or some place where you can steal a few minutes alone with her, like a school dance. Try not to ask her  before school or she might still be tired and it could be awkward if she says no and then you have to be near her the whole day. Try asking her at recess. That's a popular time for guys to ask girls out. Again the tricky part will be trying to separate her from her friends. If you want the girl to say yes, she has to think you know what you're talking about. Don't get too nervous, stutter, fidget, kick your feet, or look at the floor. Look her in the eyes and smile. Make her think that you're totally comfortable talking to her so that she feels more comfortable, too. Walk right up to her, wave, and say, "Hi."  You can practice this move in front of the mirror to feel more confident. Remember that the worst thing that can happen is that she can say no. That won't be the end of the world, will it? You should say just a few things before you jump in and ask her out. Saying, "Hi, will you go out with me?" probably won't go over well. You should just say something like, "How are you?" "How was your day?" or "Are you doing anything fun after school?" And maybe tell her a thing or two about what you've been up to before you make your move. This will make her feel more comfortable and will hint at what is coming. You can think of one thing to tell her or one thing to ask her in advance so you feel more comfortable when the time comes. Compliment her or just tell her that you really like her and say, "Do you want to go out with me?" It's as simple as that. You can practice this in front of the mirror to get more comfortable, too. You shouldn't be hanging out with her for more than a few minutes without asking her or she'll start to get confused. Just take a deep breath, look her in the eyes, and spit it out. You'll feel much better once you finally ask her. Read her body language. Is she moving closer to you, smiling, and acting a little nervous? If so, then she's more likely to say yes. There are two things that will happen: either she says yes or she says no. If she says yes, then that's great! Let her know how happy you are without acting too over-excited and maybe give her a little hug if you know each other pretty well. Then, you can suggest the place where you'd like to go and start planning your next moves. If she says no, keep your head up and thank her for talking to you and being nice anyway. Don't resort to name calling or be mean or she won't have any respect for you. Be a good sport about it and start thinking about your next crush.
A: Get her (somewhat) alone. Be confident. Talk to her a little bit. Cut to the chase. React the right way no matter what.

Q: Why are you living on $20,000 or less, and how do you want to change things? Maybe you want to go on vacation, buy a car, move to a new city, save for school, etc. If you have a tangible reason to save money, it will be much easier not to blow it on a new video game. Give yourself an exciting financial goal and saving will be much more doable no matter what your budget is. Living off of $20,000 a year or less is very hard in NYC or San Francisco, though not impossible. Your dollars go a lot further in smaller towns, rural areas, and inland cities. While your salary or income might not be changing, you can change its relative value by moving to a city where everything costs less.  Search online for "Cost of Living Comparisons," which provide up-to-date information on prices across the country. Aim for rent to be no higher than $600, and much less when possible. This is a good financial cap for a $20,000 a year job. Spending just $3 on coffee every day quickly adds up to $90 a month, or at least 5% of your total yearly income. Cigarettes will get even more expensive. At the end of the day, saving money and budgeting requires sacrifices -- you should find a way to cut out these needless expenses.  Even cutting these habits in half can make a big difference and is a great starting point. Find alternative, cheaper habits whenever possible. Whenever you get an urge (smoking), fill in your new habit (taking a walk around the block) as a replacement. Credit cards aren't free-- they come with interest rates that will gouge your paycheck if you let them run rampant. Managing your money wisely means using your credit cards wisely-- as extensions of your well-planned budget. Some things to remember:   Know your rates and how they can change. If confused, call your bank and make sure you understand your terms and interest. Pay more than the monthly minimum whenever possible, as this decreases later interest payments. Stay within 30-40% of your credit card limit. You never want to be reaching your limit, as the interest will become exponentially worse. Staying at our below 20% is a good benchmark for cautious spenders. A debit card can be dangerous -- you keep spending without seeing the money leave. If you struggle to hit a budget, take all the expense money out at the beginning of the month and put it into envelopes -- food, gas, rent, utilities, fun, etc. This ensures you only spend the money where it was meant to be spent. Many financial advisers even suggest going further, saving for at least 9-12 months, but 3 is the bare minimum. You need to be financially prepared in case of emergencies. Remember, also, that this money should only be spent in emergencies. Multiply your monthly essential & fixed expenses by 3 or 6 months to get a good number for savings.
A:
Give yourself a savings goal, something to strive for instead of spending money. Try to live in a lower-cost area or city. Cut down on addictive and needless habits like smoking, coffee, and sweets. Use credit cards very sparingly, making sure you can pay off in full each month. Take cash out from the bank, separating it into envelopes for each expense if you struggle to budget. Ensure you have 3-6 months living expenses saved at all times.