<prompt> Human: 26 year old. I work roughly 35 hours a week in the service industry went to culinary school, did the kitchen bit, now Im front of house. I make minimum wage 10.85 where I am and some tips, but that changes on a weekly basis so its hard to rely on. Im not a server, I host, bus, run food to tables, polish glassware, answer phones, basically do everything a server does except say Hi, my name is x and Ill be your server tonight. In addition to that I work some kitchen shifts for hours towards my red seal certification so technically I have two jobs.My main problem is that my monthly expenses of basic needs like rent, phone, utilities, bus pass, student loan payment always work out to 80-95 of my paycheque, leaving food and entertainment to be tips and not a lot of room for savings.Its not in my character to just leave a job, especially since Ive been with the company in one way or another for 4 years, and roommates are kind of out of the question based on what I need in a space of my own. Somethings gotta give so I can finally get ahead but I dont know what. Pack a lunch and dont buy avocado toast arent valid tips since I live very frugally so any suggestions?  <response>: Make sure you are doing a detailed budget where every dollar your earn and spend per month is accounted for. You mention living frugally, but this budget will help you see if there are any particular areas that could use a second look. Look into income based repayment plans for your student loans. Look for other jobs that pay better. You are a lot more loyal to your job than your job is loyal to you especially if after 4 years you still only make minimum wage. Dont let that take advantage of you and your life. 