<prompt> Human: 26yo female here. Over the last 5 years since I have been out of college, Ive done pretty well for myself as far as my career. Ive been able to rise through the ranks at my current company at fast rate got promoted pay raises every 6 months or so by jumping on the right projects and seizing opportunities. This is in marketing, where the starting wage is nothing...In any case, I was living in NYC and have moved, with said job, to London last year. I would like some advice on how to better manage my finances, as right now, its kind of like pay for things as I need them approach. I currently live in London, making 80,000 per year. After taxes and gym payment 55 monthly for gym, my monthly pay checks are 4,000. I do have university loans that I am paying out in the US, which total to about 11,500. The minimum payments each month are 200 on the plan I am on, but I am really trying to pay these off quickly, so have been contributing 500 each month. This means I will be done in about 2 years or so considering there is interest. My rent bills is about 1200 per month. This cant really be changed within the next year, as I just moved to this flat recently. I work a lot, so rarely eat at home, so Id say that I spend about 20 each day between lunch breakfast, and an average of 30 pounds for dinner some nights I just pick something up for 10, other nights I go out. This adds up to roughly 1,500 per month on food alone. Underground Oyster card: 130 per month. I buy weekly unlimited passes.Uber taxis: about 30 per monthThen I have smaller random monthly expenses such as spotify, hulu, nails grooming phone bill is covered by my work: 90MONTHLY BREAKDOWNTotal paycheck: 4,000 Monthly loans: 500 Rent bills: 1200Food going out: 1500 Transport: 160Random services: 90This only leaves me with 550 extra per month, and I didnt even mention the occasional clothing shop or travel abroad. Now, I dont have a retirement fund american citizen living in UK, so I dont contribute to my 401 at the moment or any real investments. I have a few grand in savings, but that can disappear quickly with any emergency. I make really good money and understand that there are easy ways to cut back, but appreciate any constructive advice on money management skills. Im young and my family has never really enjoyed excess money, so parents cant give advice. I want to have a healthy financial situation and right now, it doesnt really feel like it.  <response>: Your food cost alone is mind boggling, with spending habits like this you will never be able to save. You desperately need a budget. Your situation is easily fixable but your financial discipline is so lacking it will be a difficult task for you. 