<prompt> Human: Edit Thank you to everyone who responded! Some of it was even helpful! In all seriousness, though, thank you. This was mostly for my benefit. Telling people you are going to do a thing is actually motivation to do it. I do apologize for being so stubborn right off the bat- Im opening up more to the idea of focus groups, as well as looking at other car options though I honestly think my car is great and probably wont change it, but will drive it for the next 10-15 yearsIm going to skim through the threads and will probably not be replying to many comments after this. Im gonna fiddle with my budget a little bit, and try to squeeze some more. I am going to post an update again for my benefit at the beginning of September with where Im at.Warning: Long post. Its mostly for me, to have documentation and start holding myself accountable.tl;dr: im too careless with my money, spending it on things i dont need, or on other people this one is BIG, or on random take out. Gonna try to make this as succinct as possible.Education: Student - Law school- part time night program, going into 2nd out of 4 yearsIncome: Babysitting. Earlier this summer was about 250week, but I start a second job on Tuesday, so it will be about 335week until September. Then Ill be at about 500week.Debt: Chase CC - 2,941.93 balance, 16.4937; interest rate, 0 interest charged in 2018 BoA CC - 792.05, 18.4937; interest, 14.38 in interest 2018 Barclay CC - 955.94, 037; until August 2018, 0 interest Citibank CC - 1530.10, 20.9937;, 1.45 in interest Only 76 currently subject to interest rate until April 2019 Student loan 1 - 21,311.58, 637; interest, accruing Student loan 2 - 2,582.63, 737; interest, accruing Car Loan - 10,183.80, 3.7437;, 205 monthly payment these are increased payments- I couldshould lower it to I believe 150 Im also behind on my rent 550 for one month, and dont have Julys yet. However, my landlord is actually a family friend who made it explicitly known that while Im in school, if I had to do a no interest loan for rent for a couple months, that was fine. I do not want to do this, but I know them extremely well, and they genuinely do not need the money, and are very supportive of me in general.Current Debt - 40,848.03New Monthly Budget: Rent- 550 Health Insurance- 50 Electricity - 60 Water - 20 Internet- 15 Netflix- 6 Sewer-20 Car payment - 205 Car insurance-92 Grocery shopping - 90 Cats - 30 Gas- 40 Maximum fun- 10 Go out and do a thing so I dont wanna die - 30 Chase CC minimum - 30 BoA CC minimum- 25 Barclay CC - 25 Citibank CC - 25Total: 1323monthTotal income until Tuesday: 1,071monthTotal income Tuesday-September: 1,435monthTotal income September: 2,142monthI included my previouscurrent income to make myself realize how crazy it was to think I could live on that. There is clearly no reason, once September rolls around, for me to have any struggles as long as I stick to a budget. Im gonna work out a better budget and repayment schedule based on my summer pay, then come the end of August I can reevaluate and see where Im at, and make a plan going forward.I used unbury.me to work out my payments. Until September I have an extra 112month going to Citibank, then BoA. After that, I have 819 a month, but at that point, Ill be driving more and my garden wont be providing any groceries, so we will see. Even if I only have an extra 500month, it still cuts down my repayment to 4 years as opposed to 10. My debt will be rising due to student loans, but honestly, once I get my CC debt cut out, Ill be able to be aggressive about my student loans. In fact, just looking at CC, looks like I can be debt free in 6 months if my expenses dont change too much.Again, sorry for the long post. I really just wanted to get it all on the page, and write it out, and get feedback.  <response>: Richest man in Babylon 70 for Expenses, 20 for Debt, 10 for the future you. Roth Ira, real estate, etcT. Harv Eckers JARS System 55 to Necessities10 to Education10 to Fun5 to Give10 to Long term goals Car, etc10 to Financial Freedom Roth ira, Real EstateLook into Velocity Banking on YouTube, if you can grasp the concepts, it will change your life.No matter what you choose to do, you will always want to increase your income.GL 