Living below your means is probably the best advice you’ll get, although your budget may be tight as a GS-7. My two pieces of advice: prioritize your debts, and pay yourself for the future.
Assuming you have your living expenses covered (rent, internet and phone, etc.), priortize paying down whatever debt has the highest APR. Although you can’t discharge student loan debt, the APR is usually a lot more reasonable than credit cards. If you have a ton of credit card debit attack that first.
As for paying yourself, putting any money you can into a TSP or Roth IRA/Mutual fund is a good idea (others have suggested 3 to 5%). Those are long-term investments, and really pick up steam after 20 years or so because of the math behind compoudning interest.
Finally, I put 10% of my take home paycheck into a savings account. Once you have about 6 months of salary saved up, start looking to put your money into other investments: either place more into your retirement or look at something with a higher rate of return. Savings accounts are barely paying any interest at the moment, and you’ll actually lose money (in the long term) if you have too much cash on hand because of inflation.
Hope that helps!
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