<prompt> Human: Hello this is my first time posting to reddit so I hope I dont screw up too badly. I just graduated college in May and luckily I only have one student loan for 4,500 and my credit card debt of 4,000. My credit card debt has fluctuated over the past two years. There was a point in my junior year where I wasnt making enough money to pay rent so I would Venmo my roommate the rent via credit card and every time you do that theres a 3 transaction feee so my debt racked up pretty quickly. My parents have no idea about my debt and think that Im doing just fine. I have always hated money since my parents are separated and its the number one argument they had about me growing up. I dont want to burden them with this especially since Im almost 22 now. I use Mint but I guess its not super helpful if I dont follow the budget. My main problem is my income has never been consistent as a musician. When I was in college I was working 3 jobs and also freelancing on the side. I currently have an 8 week contract with an opera company but after that I have no job prospects. Ive applied for a bunch of jobs but have heard nothing yet. So my main concern is summer is trying to pay off as much of my debt as possible but also save some money so I have a bit of a cushion if I dont have a job right away after this contract. So to conclude:1. How do I budget my life better on an inconsistent salary?2. How do I pay off my credit card debt as fast as I can while saving money?Thank you for taking the time to read this and I really appreciate any help or advice.  <response>: Moving back home isnt a failure. STAYING back home is. Lots of college kids myself included do it to get on their feet and plot out their lives. Just make sure you know its temporary in your mind and set a hard move out by date. Also, being a musician is awesome but the reality is that only a small percentage make enough to actually do it full time. Youll probably need to find a 9-5 gig and be a musician on the side. If youre working 40 hours a week with no rent payment, youll knock out 4k in debt in no time. 