It has been said that debt is tantamount to slavery. Therefore one of the keys to economic sufficiency is learning how to save. Individuals that achieve financial success learn how to manage money, of course at varying levels of mastery.
If you are a low income resident of Philadelphia, here is non profit organization with a wonderful program. They will match your contributions, enabling you to build your savings faster.
Check it out. See, if you fit these financial guidelines. Perhaps there is a similar program in your city.