<prompt> Human: I graduated college a little over a year ago and was fortunate enough to find a job soon after. Im 25, I live with my mom, and I have a little over 66k in student loan debt. I bring home about 2150month after taxes, health insurance, and 4 towards my 401K with another 100-500 in commission each month. I pay around 680 a month in student loans and another 250 for my car payment - which is 1000 away from being paid off. Ive added up all my expenses loans, car, food, gas, car insurance, phone, and its around 1600monthI just started to realize that I need to pay better attention to my spending habits. I have not saved ANYTHING since Ive started working. With the help of rpersonalfinance, Ive started to track my spending and find ways to cut back. Ive also learned that I should start paying more towards my loans with the highest interest rate - 15k 8.9. I would hate to have to consolidate my loans, but I want to start saving as much as possible. Is my financial situation as shitty as I think? Assistant: I just started to realize that I need to pay better attention to my spending habits. I have not saved ANYTHING since Ive started working.This is clearly a problem, but not an insurmoutnable one. You need to rectify your budget. The fact that your budget is 1600month and your take home is 2150month, and yet you have not savings is red flag that your budget is wrong. You are missing at least 500month.Clearly youre budget isnt accurate. Really track where your money went last month and craft a more reasonable budget. You really should be paying down your high rate student loans aggressively. Especially once your car is paid off, you should be able to put almost 1000month towards paying down your student debt.Human: You are missing at least 500month. I hate thinking about all that money Ive wasted. Im a couple weeks into keeping track of my budget, so Im sure there will be plenty of adjustments. Once my car is paid off, I plan on putting that directly on the loan with the highest interest. Thanks!Assistant: You may know about this already, but is a phenomenal budgeting tool in my opinion. Human: Mint.com will help you find the holes of where your money is going.Assistant: Just downloaded the app... I was hesitant to use it and have all my info out there, but I have nothing for anyone to take anyways...  <response>: Mint.com is as secure as any banking site. Additionally, nobody can actually move any money around within mint so if anyone was able to log into your mint account, its not like they would be able to do anything. 