That's not savings, that's just an operational cash buffer which makes life much easier.
And I don't believe that people with debit cards don't earn enough to have savings. They spend too much to have savings.
This is a rant; probably skip it if you're not in the mood.
I have debit cards and credit cards but high debt and no savings. I am depressed and (because of that) have poor executive function (i.e., getting-shit-done ability).
I have a job where I can work flexible hours. An obvious solution to my problem would be to work more hours. And yet here I am not doing that!
I could also move to a place with lower rent, but that would require me to do some combination of throwing stuff out (which is work) and getting people to help me move my stuff to the new place (...
This is the first post of the 2015 repository rerun, which appears to be a good idea. The motivation for this rerun is that while the 12 repositories (go look them up, they're awesome!) exist and people might look them up, few new comments are posted there. In effect, there might be useful stuff that should go in those repositories, but is never posted due to low expected value and no feedback. With the rerun, attention is shifted to one topic per month. This might allow us to have a lively discussion on the topic at hand and gather new content for the repository.
The first repository to be rerun is the Boring Advice Repository, because of... on a whim.
Enter original motivation (by Qiaochu_Yuan):
The Boring Advice Repository is filled with lots of diverse advice, I've summarized some of it in a comment below.
So what should go here? To go with Qiaochu_Yuan again (adding emphasis):
I don't know if you should post new advice here or in the original repository. Perhaps search the old repository with ctrl+f (when on windows) and if you don't get results, post it here.