<prompt> Human: I live alone in a major US city and I am sick and tired of barely scraping by each month. I know where to cut costs, but need to know the right way of doing it.Heres my financial breakdown.I make 41,200 per annum.After taxes, wageworks for public transport, dental insurance, its a bout 1,200 per two weeks. I dont pay for health insurance until the fall after I turn 26. My car is my biggest waste of money. I pay a car note bill with 24.99 APR of 416 per month plus 100 dollars for insurance. I dont use it since I moved into the city except to go buy groceries. I pay 775 in rent per month.I pay about 115 for cableinternetI pay 86 for my cell phone per month. I use GameFly to discourage myself from buying video games for 16 per monthNetflix is 8 per month.I stupidly bought a bedroom set from a store, but since my credit is so poor, I had agree to a rent to own situation where I pay 200 a month just to have it. The original price of the bedroom set was 1700 whereas if I keep making minimum payments, itll total out to over 6K when its officially mine. I got it before tax season thinking I can use my tax refund to pay it off quickly, but I wound up owing the government 322. I save about 50 per month, but I want to make that higher, and cant.If I can get rid of my car, I can pay off the bed set a lot earlier. I looked up my car in Kelly Blue Book and filled out the stats of my car and they estimate I can get 11K for it. My loan is still at 13K.In an ideal world, without the car, Ill have an extra 500 per month to get the new clothes I need, pay off my student loans that are in default before they garnish my wages again, save money to go back and finish school. Im tired of eating Ramen on the weekends.Edit: Hindsight is 2020, but I should have never trusted my dad who is shitty with his own finances for helping me with this car and bed set.Edit 2: A lot of you suggested that I get a roommate; however, that is non-negotiable. I had two really shitty roommate situations that forced me to move back in with my parents. And they were supposedly good friends.  <response>: 1. If you can return your bedroom set, do so and buy a 60 Intex inflatable mattress off of Amazon. Very comfy, I slept on one for 3 months once. If you can afford to, just buy the cheapest solid pine Ikea bed frame you can, and an Ikea mattress. I bought their cheapest foam queen mattress and a Bergad Isoform 4 mattress topper, most comfortable mattress Ive ever owned before or since, and much cheaper than a Tempurpedic or similar. If you cant return, try either refinancing or just paying it down asap to avoid interest.2. As others have said, sell the car, it sounds like you dont need it anyway.3. T-Mobile Prepaid 30mo plan with unlimited datatext and 100 minutes, and an Ooma at home for 3mo for unlimited calling.4. Get rid of cable, stick to Netflix, Gamefly, andor books from the library.5. PadMapper might be able to help you find a cheaper place to live. 