<prompt> Human: Hi rpersonal finance, first timer here. Ive been working on getting my life on track for a bit now and Ive read some of the starter guides and top posts in the sub. I think Ive gotten to a place where it would be good to ask for advice to see if the plan I had made was solid .So the backstory, I had to drop out of school my third year because my parents couldnt afford multiple kids in college. My little brother was entering college that year and I made the choice to give up the money that I was receiving for my tuition from my parents for him to be able to go. My parents wouldnt help me take loans out for the fourth year52k for 1 year so I was forced to drop out. So far I have accumulated 25k total student loans for 3 years with the highest loan Intrest rate being 4.7. I applied for an income based 10 year repayment program. So far I have not had to or been able to make a payment. I had job 3rd shift that paid 15 an hour and 50 hours a week but I wasnt told I was a seasonal employee so I was making more money than Id dreamed of and spent a little bit of it. More than a little bit of it really. After I was let go post holiday season I was pretty down and couldnt hold a job. Couple minimum wage jobs, some commission sales for art, few gallery shows but nothing reliable for income. Fast forward to now, Ive moved states and I currently dont have to pay rent. I have a job working at a Japanese steak house and a second job at a grocery storeincome Server: 2.37hour 10-15 after tips. Im averaging 50 in tips 5 hour shifts 2-4 shifts a week. Grocery store: 12.5 hour and Im working 28 hours for them the next three weeks. I can expense milage to the company so an additional 60 there. Weekly take home should be 600Monthly espenses Auto insurance 100Cell phone 65Home depot 25 55 until paid off fully Mattress payment 25 with 552 left to pay off and a promotional period that ends October. Expectted car repairs 100-400 in the near future. I own tools and am good at fixing things with YouTube tutorials so any links to subs that can help diagnose problems would be great. Resources :Checking 350Savings 115Cash 210 I have a credit card I havent activated at 18 and a promotional that if I spend 500 in the first three months, I get 150 cash back. Im wary to use the credit card But I got it so I could use it and pay it off every month to practice good behavior. My goal is to a 3 year plan together. Let me know if I can provide any additional info within reason that I might not have thought to include. Whats the best way to go about making and sticking to a budget for this long? How much can I reasonably save in this time frame?  <response>: OP, you should finish your degree. That should be a top priority as soon as youre 24 assuming youre in USA, when youll be considered independent in terms of financial aid. Im also assuming youre pretty close to that age now. Until then, your job is to keep working, teach yourself to budget, pay off the mattress and hardware debts, save an emergency fund, and keep on getting by. Sounds like youre doing okay so far. Good job!Once youre 24 and assuming you keep working low wage jobs like you do now, youll qualify for grants to help you finish school. If you can find any work in the field of your major, that would be extra good. So, in summary having made some assumptions, including that youre 21 or 22 now:Year 1: budget, pay off little debts, save emergency fundYear 2: budget, look for work related to your majorintended career, avoid new debtsYear 3: finish your degree 