<prompt> Human: So my girlfriend is leaving me. Im a software developer and make good money but this is going to change things for me quite a bit. Just wondering what I might be able to do. Ill be really transparent on how much I make pay.These are all monthly figures.Net Pay: 2650Mortage Insurance Taxes : 750 Electric : 150 may go downWater 50 prob go downCar payment: 175Car Insurance: 175 expect this to go down from not having her carMotorcycle Insurance: 25Cell Phone: 135 may go down like 30 or 40 bucks with her goneLife Insurance: 20Personal Loan: 130TV sling: 33Internet Required for job: 65Student loan : 50 really close to being paid forSo that equals up to roughly 1600 a month that Im obligated to pay for before groceries, gas, and other home things. Im used to paying that cause that leaves me about a 1000 to use for going to work and other things but she used to buy groceries and all the other necessities in a house trash bags, toilet paper. So the way I see it Itll take me atleast 600 a month to go to work and buy lunch and some food leaving me around 400 a month to pay on debts and save. I guess my only dilemma is, my car is a BMW and expensive to maintain. I owe about 6800 bucks on it and about 4200 on that personal loan that I used to buy a HVAC system. Should I just leave those how they are 3 years on car, about 3 on personal or should I consolidate those loans with a 12k personal loan allowing me to maybe sell the BMW for 6 to 8 grand and get out of that debt? Ive been debating getting a cheaper car 2 to 4k since Im pretty mechanically inclined and dont mind to repair one. I guess all Im asking is, what would you do? I feel like I should be making big changes in my life since she is leaving but maybe Im perfectly fine how I am?Edit:I have an IRA that my employer matches at 3 I contribute to pre-tax.Also, Im only 22 years old. I bought a house young at 21. So I guess Im a little ahead in life already.Loans are 4.5 interest on mortgage, 1.25 on the car, and 8.99 on the personal loan. I also live in a region where winters are pretty cold so using a motorcycle as primary transportation is not an option unfortunately. I would love that though!The 600 I said I needed for work food is basically this. 50 a week in gas 200, 50 a week in food, 50 that I probably could cut out now that I see your replies. So big thing is, how do I get out from under the BMW? I cant sell it with the bank holding the title, Ive tried and people almost immediately stop responding when you dont have a clean and clear title. I live in a poor region of the country too, average house hold income with two working adults is only 46,000 a year. I make exactly that by myself so the chances of some big raises are pretty slim. I expect 2 to 4 grand a year at most. Assistant: Get a roommate and cut down your grocery bill by half.Human: Honestly, Im pretty introverted and get easily irritated with people. I think it might cause some pretty bad mental stress for me. However, if I can find someone I jive with good. Id be all for it.Assistant: The grocery 600 part is for gas to drive to work 62 mile commute round trip and for lunch during work groceries at home. I might could cut it down to 500 ish if I meal prepped.  <response>: My grocery bill is roughly 50 a week. You can meal prep and plan for a much lower grocery bill. 