<prompt> Human: Hi guys, Im hoping someone here can shed some light on where Im going wrong with my finances. I earn 27.5k and figure I should be living a reasonably comfortable lifestyle, yet Im finding myself struggling to pay off debt and have zero savings whatsoever. If I lost my job I would be in big trouble. Ive added a breakdown of my income and expenses, am I overspending stupidly? nbsp;Income: 27.5k salary 1,790 pm after taxpensionstudent loan deductionsnbsp;Monthly Outgoings:nbsp;Home:Rent: 625TVInternet: 49.64 Minimal TV but high speed net required for my job when working from home nerdy gamerTV Licence: 12.12WaterSewerage: 25Council Tax: 70Electricity: 50-70 Depending on the working from home how much time my boyfriend is overnbsp;Personal:Mobile Phone: 20 Allowance Im on PAYG so sometimes lessGym: 29.50Groceries: 200Cinema card: 16.40 Cancelled as off this monthSpotify Subscription: 9.99 Cancelled as off this monthnbsp;Car:Petrol: 40Tax: 35yearnbsp;Insurance:Home: 5.27Car: 65 Expecting this to go down within the coming months once I get my no claims bonus backnbsp;Debts:Credit Card: 2,000 Currently paying off 50-75monthStore Account: 340 Currently paying off 50monthnbsp;I have had some rough months recently as I had a car accident earlier in the year. Its meant my insurance has gone up, Ive had unpaid sick leave from work meaning hundreds of pounds loss at a time, and had to buy a new car cheap runaround bought outright for 3k and this all happened around my move across the country to where I am now. I had to hire moving help and spend more than I would have in general, this is where my CC debt has come from. nbsp;Edit: formatting  <response>: First off, that budget doesnt account for 400 ish of your months income. Wheres that going? Thats not disappearing of its own accord.Second, that debts Fucking you, get rid of it asap and youll have more breathing room. To be blunt, youre in debt, youre not supposed to be super comfortable. Internettv looks expensive, even for high speed. Do you need the tv?200 is high for groceries for one person if youre looking to save you could trim that for sure. 