<prompt> Human: Hi there,Throwaway because friends know my account name.Some back ground:INCOME I work full-time, 50hours a week, and in 2014 I made 40,000. This year It should be closer to 42,000.SCHOOL I am finishing my bachelors degree, which will be completed August of 2016 I have 8 classes remaining, but can only do 2 per semester since I work so much. Cost per class is 1,000. In 2014 I paid 6,000 for school, so 500month. I do not have a loan on this, I pay it, in full, as it comes due.CAR My car will also be paid off at the same time, which is 412month. I have 7,842 left, this will be paid off September of 2016. The loan on the car is 0 APR.MISC I have life, retirement, health and car insurance bills that I pay which total 400month. My rent is 300month live at home. Misc bills cell phone, payments towards activities season tickets to a pro team, recreational sports leagues is 300month. DEBT I have no credit card debt, I pay my bill off, in-full, every month. I have yet to miss a payment in-full.MONTHLY EXPENSES Right now I spend 1,900 a month on everything in my life. Half of this is my car and school. After taxes, I have roughly 600month to spend on everything else, like food, clothing, etc. This isnt a ton and makes having a lot of fun more challenging. It means I usually live paycheck to paycheck, or at best, I have to budget myself over the course of months.GOAL My goal is to move into a house with a roommate, where they would pay me 500month. Total bills for house I am looking into would be roughly 1200month. So my Rent would increase by 400 a month to 700month. Currently I can not afford that, but once I have my car and school paid off, I easily could. However if I cut 200month from somewhere, I can afford doing this.I could also limit my fun activities by 200month, however I like to do what I currently do. I have dated people before who just sit around and watch netflix and go out of their home once or twice a week, I cant do that. Im all for relaxing nights but I like to get out and do stuff. QUESTION My question to PF is, would you recommend me getting a 2 year loan with a 7 APR for 15,000 to pay off my school, and my vehicle? It would cost me 670month, so I would end up saving 200month. That 200 saved per month I could then afford to get out of my moms house and buy a house I have a decent amount of a down payment saved up already. The loan would go through March of 2017 and would cost 16,100. If you have any alternatives I am all ears. I am not looking to become someones roommate unless the situation was tempting, as I am okay with living at home it just makes it harder to date and settle down with anyone. Thanks for reading.  <response>: You want to exchange a 0 APR car loan for a 7 APR loan? Why?As for the school portion: at 1,000class and 8 classes remaining, you have 8,000 left to pay. So instead of paying it in full each semester, you want to obtain a loan immediately for all remaining semesters and start accumulating all of that interest, immediately. Again, why?Your problem is not one of cash flow, it is of a spending mentality that will always leave you broke.Honestly, you seem to think that spending money fun, and not spending money boring. This is not something that will be fixed by simply having more money, because if you have this philosophy that will only mean more fun. Learning to live within your means - and living within your means necessitates both saving for emergencies and saving for your future, not just spending your whole paycheck and not a penny more - will bring much more lasting satisfaction to your life.There will always be things and experiences you want that you cannot, at the moment, purchase in a responsible manner. Learning to prioritize is an important part of maturely handling your own finances.As to the particulars of buying a house at this juncture, I would say that is a very unwise decision. Your budget is much to tight to absorb the normal things in house maintenance that would now be your responsibility - broken water heater, leaky roof, tree trimming - and you dont have an emergency fund. The plan also seems to rely on always having a renter pay a set amount, but renters move out and it can be some time between renters where there is no rent being paid. They can damage the place, they can simply stop paying rent, forcing you to go through the long and costly eviction process. And you simply have no margin for error in your budget. I have life, retirement, health and car insurance bills that I pay which total 400month.Why do you, as a person with no dependents, have life insurance?What are you putting into retirement? Does your employer have a match?How much is your car insurance? How much do you spend on gas in a month?There may be adjustments to be made to your budget to enable you to save, but more information would be needed. 