<prompt> Human: So I have a job that makes me 11.70hour a month , Im still in high school. I usually work 10-15 hours a week, half my paychecks go into savings for uni, gas costs me 30 a week , 40 go to additional savings a travel fund and I have about 300 in my chequing account. I love getting my eyelashes done and doing yoga, which costs about 65 a month. Those are the two expenses in my life that I hold onto dearly and dont want to have to part with as they do a lot for my mental wellbeing. I want to be able to start an emergency fundnest egg, take on my own phone bill 40 a month and Christmas is coming up, how can I make more money or refinance to gain some stability?  <response>: Refinance what? You dont exactly have a mortgage. Ask for money for Christmas, or items that will help you not spend money ei: gift cards to your favorite salon, where you do yoga, gas cards, a straight talk phone and cards, etc. If possible, car pool with a friend or two. Can you get scholarships for uni? If so, get them. An emergency fund should be priority over a travel fund. 