My first apartment was a piece of shit, and in all likelihood yours will be, too. It was a one-bedroom addition to someone's house, and you could hear them fucking pretty much every night of the week. They were in their late 60s. And they smelled like beef broth. The rent was cheap, but it had to be, because I worked a fast food job, talking about how famous I was going to be one day while mopping up piss from the men's shitter.
Regular readers know that I write a lot about the habits you develop when spending your life as a poor person, but maybe the worst is that I entered the adult world knowing nothing about finances beyond "hand man money -- man gives you beer." I didn't have a bank account, so all of my money ended up in a cookie jar on top of my fridge, where any one of my drug addict friends could have easily fucked me blind.
I had no idea what I was doing. For all I knew, the electric bill could have been $5 or $500. I had never grocery shopped for myself, so the first week on my own, I stocked my fridge with $200 worth of shit, and I didn't even get through $70 of it before the rest went bad. Who do I talk to about disposing of my garbage? How much does that cost? If I put some particularly nasty shit in there one week, do I have to tip them like a waiter? Wait, why am I getting a gas bill when I didn't use any the whole summer? Completely clueless.
The easiest way around this was what I was too dumb to do back then: Ask your parents (or any available, experienced adult who isn't a complete fuckup -- another one of my hurdles) if you can sit in when they figure out their bills and budget. Even if they're well-off enough that they can just start writing checks for whatever is due, you'll learn tons. At the very least, you'll get a ballpark idea of the types of numbers you'll be seeing when your own bills start coming in, and that is invaluable. Do they have a miscellaneous section on their budget? Ask about it. What percent of their income goes into savings versus checking? How much is appropriate to tip your statue-polishing staff?