<prompt> Human: I am a full-time college student working two jobs. Job A is M-F, 8-5. Job B is Sundays only, 8-6:30.IncomeJob A monthly income: 1350Job B monthly income: 260ExpensesCC A: 1500 22 APRCC B: 800 22 APRCC C: 700 19 APRCC D: 600 0 APRLoan: 71.37month eight payments leftCar payment: 206monthOther allocationsNYC Trip: 200monthEmergency savings: 100monthI am currently working on paying off CC debt as quickly as possible I know its a lot of debt - Ive worked it down quite a bit. I just dont know if I can afford to quit my second job and wanted a second opinion. Between school and work, this second job is killing me. The only day off I have, I spend studying, running errands, etc. I hardly get any sleep because the minute I come home from work, I do homework or run errands. Just kind of at my wits end and wanted to know if anyone could look at this and see if theres any way I can afford to not work at Job B. Im also currently saving up for a trip to New York City at the beginning of September, but only have about 400 left to save for the trip. Also: I have been at Job A for almost two months and was told my income would go up about a dollar an hour or more at the three month mark, so I would be making 1475 a month from Job A after that. Assistant: Since you have CC debt at like 20 Im going to say no. Dont let the second job keep you from finishing school or something, but honestly you really should knock out the debt. Im also currently saving up for a trip to New York City at the beginning of September, but only have about 400 left to save for the trip.Yeah you cant afford that. Trip to NYC? lol wat? You have credit card debt.Human: The NYC trip was a surprise gift from an SO who took care of all travel arrangements - Im just saving up for any necessary spending cab fare, subway fare, etc. and small souvenirs, plus I want a significant sum of money in my account in case anything happens on the trip. Ive been putting as much as I can toward the debt but find that the way Im budgeting it now leaves me without the money I need for necessary items food, shower stuff, etc. and then I have to put that on a credit card to afford it, so I guess I need to reconfigure how Im budgeting out my CC payments.Thank you very much for weighing in.  <response>: the way Im budgeting it now leaves me without the money I need for necessary items food, shower stuff, etc. and then I have to put that on a credit card to afford itMay I ask how you are budgeting if you arent accounting for food?Also - YNAB is free for students. Its helped me realize where my money actually goes, and may help you budget for your trip, food and soap, as well as aggressively pay down debt. 