<prompt> Human: Im stressing about my monthly commitments.I earn 3900 per month after tax.I converted my credit card installments to an EMI at half the regular interest rate 660 pm for 5 more months.My rent is 1271My car is 700Then my student loan is coming in at 2673900-660-1271-700-267 1002.Is my debtincome ratio too high? I have no savings as this is a relatively new job with higher salary and been working debts off until recently when I started adding more.Edit, so the 1000 I am left with is to live essentially. Food, groceries, internet, entertainment etc.Post edit edit. So why I am really concerned besides paying too much for a car. I moved from a low income, high interest country. To a tax free, low interest and high income country. I feel this sudden change lead me to believe I can afford an unsustainable lifestyle. As I am not used to spending this sort of money. I would like to k ow if there is some sort of debt:saving:income golden ratio. Best protip so far, write out a budget for the income after debt. What some may or may not realise, is that as soon as I earned more a 6 fold jump Ive been offered so much credit. Today alone 8 August I was offered 2 separate credit cards. I never used to qualify for credit. Month 1, I bought a TV, PS4 and top of the range smart phone as well as 4k worth of clothes for work. I looked like a bum compared to the rest in my office and was scared that my appearance would leave me terminated in my probation period. I have since cleared my probation period, but feel that I have overspent.My colleagues speak about new cars, new clothes and gadgets all day every day. My lack of self esteem compelled me to be a part of this. I sold the car for a small loss. Assistant: Is 700 for the car including insurance, gas, and maintenance?Human: It includes insurance and maintenance. Gas is 1.8gallon here. I live close to work and generally spend 60 per month  <response>: 1.8gallonThe dream... 