<prompt> Human: Ok guys and girls. I am a 25M. I work two jobs and my total income is about 31,000 after taxes. My debt in collections is about 1,650 and a school loan that is about 7,000. In a year i want to have a higher credit score so i can get a new car without a 22 apr which is what i would have i if get a new car now. Also in the next 5 years i want to be a home owner as well. i Cant get a credit card already tried. Thanks in advance.Monthly average-Rent200 monthly or 50 a week. Live with sisterCellphone 45 monthly. Att Go phone.Food 100 on eating out and about 150 on groceriesGas about 160 monthly  <response>: INCOME: Every single valet and bartender Ive ever met in the city I live STL makes more than 31,000. These jobs dont take an education, just optimism and drive. Get new jobs yes plural. Anything you dont have to pay for, dont pay for. Can you live with your rents? Are you paying any monthly fees you dont needcant afford? CAR: If you have a car payment at all youre doing yourself a disservice - drive a beaten up car you dont care about bought in full with cash. -Exclude this thought if you can bike to work of course. Many of those people you see driving around 2015-2018 vehicles are in debt because their car payments are on average 506 a month at 1-5 interest. Its not about the interest its about the fact that you, like most Americans, cant afford it. HOUSING: As a man who made 31,000 when I was 25 also I can straight up tell you I know what it feels like - will I ever get a house? The answer is if you dont make more money than that no, you cannot afford a home. If you live in a cheap home bought for 120,000 youre looking at a 573 monthly payment, not including tax, home insurance, utilities, repairs. Also contrary to common belief, a house is a poor investment for a segment of Americans because because it COSTS you money, it doesnt make you money.These things you want are dreams for now and worth working towards, but they dont have to remain dreams. Like everyone else is saying, make a budget, fix the income problem, DO NOT buy anything you dont have to. It doesnt matter if its an 8 cheeseburger or netflix for 10 - A cheap car to get to work, a budget that accounts for every penny, and a higher paying job is more important. 