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How do people afford to live?

I'm 22, I work in Healthcare full time and am a single mom. I'd say I make decent money (45k a year but thats before taxes). Currently renting a house with my parents but I'm struggling to survive. I'm only paying $500 a month for rent but I'm living paycheck to paycheck. After paying bills I usually only have $5-10 leftover. I'd like to be on my own but I'm struggling to figure out how other people do it. Rent for a 2bd where I live is at least $900 a month. I'd prefer to buy a house within the next 3 or 4 years. I have applied for a mortgage loan before but they said they could only give me 100k which isn't going to get me anything. Does anyone have any financial advice? I save as much as I can and all of my money goes to necessities and bills.

submitted by /u/Civil_Imagination212
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source https://www.reddit.com/r/RealEstate/comments/wy92cv/how_do_people_afford_to_live/
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