<prompt> Human: Hey guys,Reaching out because I heard this is a smart and awesome community here. Let me run through my background situation.I just got out of college last year and got a full-time job in my career working Mon-Fri 9-5 making 35,000 a year. Not too bad.I live at home which is great because my parents provide me with free rent and food. My expenses are as follows:Car insurance: 600 a month got a few speeding tickets back in the day so this hurt me big time, it should drop to half that next yearCellphone: 70 a monthGas: 60-80 a week my girlfriend lives 70km or 43 miles away so it takes a tole on my gas when I visit twice a week plus I work 40 mins away as wellEntertainment: 60-100 a week anywhere from eating out to movies to moreI cant think of anything else but random stuff will come up like car maintenance and more.Heres my debt.I owe my parents 5,000 for the car I purchased. I can pay back at any time but I would like to start paying it off in increments each month. 200 a monthMy credit card is around 1,300When it comes to savings I dont have a lot.My savings account has about 200, my chequing has 20-30 and I put money into it when I want to use my debit.I started another savings account on the side that currently has 500 in it. This one I plan to not touch because I would like to save up for important things like an engagement ring one day. I have a habit of putting a lot of things on my credit card instead of my debit and thus I keep having a credit card bill I can only pay a little off instead of the whole thing off every month.Ive even started bringing lunch to work at least 3 days a week.What can I do?Edit: I have only been at my place of work for 2 months.  <response>: Cut up your credit card, you arent currently responsible enough to use one. When you get your monthly budget and spending under control you can call up the company and have them send you another one.I disagree with the people here saying you should be paying your parents rent. I suppose it would be nice to offer but if they dont mind I dont see a reason to force it. Same with the car loan, unless they want you to pay more pay as little as possible.But you need to do something with the money youre saving this way. Currently youre just blowing it on crap you cant even quantify besides car insurance.Track all of your expenses, make a budget, stop using your credit card until you can control your spending. Pay off your credit card debt in full ASAP. 