<prompt> Human: Heres my current situation..Annual employment income: 18,000 combined.I work two jobs at a hot spring resort, one as a PT 35hrswk receptionisterrand-boy making 11.75hr paid bi-weekly on the 5th 20th hours fluctuate with the seasons as the business is tourist and good-weather oriented. In the summer Im usually working from 7:30am until 9 or 10-midnight as the only person on shift.The other job is a 1099 always on-call LMT at the same business, paid bi-weekly at 60 commission of 48-101session tips, generally 20-50client. I usually see an average of 300pay-period from this job in fallwinterearly spring. In the summer its possible to be pulling in upwards of about 800-1k per paycheck with at least two clients each day. As it stands right now, with the formerly stated job,I work 5-6 dayswk with an average of 1 double shift 7:30am - Midnight. The latter job varies wildly from week to week, but I generally perform massage with my return clients on the days I have off from the office and pick more up throughout the week when I have availability. In addition, because time is money, I also volunteer my time at the animal shelter in addition to volunteering my time to clean the massage rooms daily because my boss doesnt want to pay me anymore to be the massage manager, and decided not to replace me because its not cost effective. But I care too much about our clients to not think about the state of those rooms. Anyway, I digress.Other Income: 195month EBTSavings: 0Checking: 20Expenses:Rent: 300month with utilities included minus internet aside from mobile hotspot, I dont have it and propane cooking heating, 120year. I live on the same property that employs me, as well as most other staff, in a recently renovated 70s camper trailer that is just enough for a single person in temporary housing. To add more eggs to my only basket, if I left this job for a better one, I would lose my housing immediately upon ending my current employment. Because of the high income of the majority local population gentrification to the MAX and being geared mostly to tourists, houses and apartments are huge and fancy and standard of living here is very high. Its rare to find even a tiny room in a shared house with a shared bathroom for less than 600month, even in the winter months. Only other option for cheaper housing is to enroll in the local college and live in the dorm or student housing, which costs about the same as Im paying now. Gas Car Insurance combined: 218month. Since I live and work on the same property, as well as all my friends, I use my car only two or three days a week, mostly for business related errands and grocery shopping.Professional Liability Insurance: 60qtr.Health Insurance: Free w Oregon Health Plan not to be mistaken as the ACA and no deductibleco-pay, however, I pay out of pocket for weekly professional mental health services that are out of network with my health plan. My therapist is flexible about compensation and I pay what I can that day, even if its nothing, but I try to aim for 50session.Other Expenses estimated and rounded up to show maximum amount Id spend:My only dependent is my cat, who I happily spend 150month for food, treats, tickflea preventiontreatment, and litter box supplies altogether this is a generalized amount of what it costs if I were to get everything she requires all at once. In reality, this amount is staggered throughout the month and at times into the next.. e.g. 100 spent this month could mean next month I might only spend 50. I wont compromise her health by feeding her cheap food like friskies or kibble from Walmart there isnt one anyway. I try to aim for as biologically appropriate as I can afford maybe this could use some adjusting, keeping in mind my cat is addicted to tuna and has a picky stomach. I currently buy small canned Tiki-Cat cut in two for first and second meal and stretch supply of wet food with a small amount of Orijin kibble. All in all, her food supply would generally last about 4-5 weeks if I completely exhausted it before re-stocking; I try not to because its a larger one time sum than if I just picked up several cans here and there. Any cat parents who are also feeding biologically appropriate diets on a budget, please chime in about what reasonably priced brands youd trust with your own health20month for Hulu and Amazon Prime the latter I use for both business and personal use.Other job-related expenses: 75month for laundry So. Many. Sheets!; 30-60month for massage oil, depending on amount of weekly appointments booked; 10month for ad-free music streaming absolutely necessary for my line of work, because boss wants therapists to pay for all expenses; possibly owing the Gov 550 in taxes, but uncertain. Debt:Auto Title Loan: 95 min. payment, 150month average payments Initial loan: 1,144 for engine repairs 25 interest for 12months; remaining principle due: 437.70. Total expected payback amount 1,500. WF Credit Card: limit at 1,500, maxed, unknown current amount due. I havent looked at this debt in a long time 5yrs and have no clue on its standing.Bank overdraft: 600 at unknown interest about 1yr overdue. I was stranded in the middle of the Nevada desert when moving from my home state to Oregon. I was leaving the CU behind, and felt OK with burning that acct and opened a new acct at another CU in my new town. Credit Score: abysmal. Probably around 500550 last I checked about 8 months ago. Leftover cash spending habits: As mentioned in a reply to a comment referencing the amount of money I spend on myself vs my cat, the ratio doesnt bother me too much because, really, Im spending all of that money on myself since my cat is practically an extension of me and Id rather her live as long as her body will physically allow. She is also recognized as a service animal for severe anxiety and PTSD from early to late childhood abuse and abandonment, so since she helps me out so much, Id be wrecked with guilt if I fed her something I knew isnt good for her. Right now, shes the only companionship I have and her happiness is also my happiness. sweeps off soapbox Tell me, would some of you rather feed your kids only crunchy, dry PBJ with fortified, preserved ingredients with doubtable nutritional density for every single meal so that you can save money? Sure, their bellies will be full and they probably wouldnt know the difference if thats all they ever ate, but it would be at the expense of health and life-expectancy. Yes, I just compared my cat to being my child..no, I dont actually see her literally as such, because shes a cat, but the emotional bond and desire for wellbeing are similar; not to mention the responsibility I have for caring for another life. steps off soapboxAs far as her food is concerned, I stick to what I can comfortably and reasonably spend that can actually be considered food. Also, the pet store I buy from the only one available has a rewards system where I get discounts and credits towards my checkout price. With that being said, my main expense is food for myself. I spend a larger portion of my remaining income at cheap local mom-n-pop restaurants religiously excluding McDanger Associates. or grocery store delis where I can use my EBT card to supplement; also at the cafe at my work where I get a free meal on a 6hr shift and 10 discount on food and general merchandise toiletries, etc. I also Im not too keen on spending money on theater tickets, concerts, or brand name items, and Ill most likely find what I need or want at Goodwill, a yard sale, the free box, or the local buy nothing Facebook page. Sometimes I can even barter my massage trade for goods or services. Circumstances:My family has been well below the poverty line for generations, yet regardless of their slowly bettering positions, none are in any standing to offer financial assistance aside from my mom paying for my phone, because she knows Id rather go without having one and shed never hear from me if she didnt. Also, they all live a thousand miles away and moving back is a huge hell no if you were a non-Mormon raised in rural Utah, youll understand. The college town I live in is small and heavily tourist dependent, so PT jobs are seasonal and scarce, and pay is usually at minimum 10.25.I guess Ill put this part here.. some have brought up the notion of meal plans or having several days to a week of food ready to make all at once. This is a no brainer method for people who have standard sized kitchens which have enough space to store enough food for a whole week of prepared meals I know it doesnt really take up that much space, maybe a whole shelf in a basic sized fridge. In my current living arrangement, the unit I live in is originally meant for several day lodging for the spa, which means my kitchen and fridge are sized to only hold enough food for that long. With my current work schedule, there isnt really much time for frequent shopping and cooking AND cleaning, let alone money for gas to put in my car and drive 20 miles to the grocery store then 20 miles back, which is why Ive favored eating from the Spas Cafe. I do have a small veggie garden that I share with my neighbor, but since its spring and still early in the season, not much will come of it yet. - regardless of this situation, Im still willing to hear ideas from people who meal plan with limited food storage and limited time, as I can still manage something to accomplish this. Any ideas or tricks appreciated. Im also unopposed to some nutritionally complete liquid meals. I kinda wish I didnt have to eat to sustain my life anyway lol. My short-term goal is to unlearn poverty-thinking and form strong habits with budgeting and saving so that I can 1 reach 5k savings and min. checking acct. balance of 1k, 2 bite the bullet and pay off all debt, and 3 reach a minimum credit score of 700750, and 4 become capable of relocating to a larger city with a financial cushion while I settle in. Long-term, Id like to be financially sound and relatively comfortable by the time I finish my 20s, and be enrolled in university. Thanks for any advice you have, and thanks for taking the time to read if you dont! Hope this can offer help to others in a similar situation as well. Blessings!edit: clarifications  <response>: uAccountingEh has set you up with a budget. Thats priority 1. Priority 2 is increasing your earnings. If you can go from 18k to 40k in three years, thats a huge change.IMHO: Spend 12 months to get yourself out of debt and use that time to figure out a career and apply for an associates degree. For less than 10k and two years of part time school you could get your Associates degree in dental hygiene and make 40k a year.Thats just one suggestion, but investing in your education to increase your earnings will really help you. Its crazy tough to make it on 18k a year. 