<prompt> Human: Ill start by saying Im in Australia. I earn a decent about of money 68,000. I have a personal loan that I would like to get rid of as soon as I can. As much as I try to get ahead each month, I cant seem to do it. I do regretfully splurge on things sometimes, especially since Ive just moved out of home and spend money on household items. I know I need to cut back on this and stop buying things I dont need. I get paid fortnightly every 2 weeks.I have looked and compared all of my expenses, and I am paying the minimum amount possible for things insurance etc. Cutting my membership fees are not up for negotiation as I need to maintain a high level of fitness for my job, and often work afternoonnight shift and cant workout outdoors in the middle of the night. I just cant seem to get ahead each payday. After I pay billsexpensesdebts I am left with very little money. I used to be very good at saving money, but I cant seem to do it anymore. I need some help figuring out how to save money and get rid of my debts!My situation:Salary: Current: 68,801 approx 1900 take home pay per fortnight after tax Future: 70,521 as of 1st July 2015 approx 2000 take home pay per fortnight after taxExpenses: Personal Loan: 405.40 per fortnight Rent: 400 per fortnight 235 per fortnight as of 1st September 2015 Health Insurance:41.40 per fortnight Car Insurance: 56.89 per month Gym:17.50 per week Phone:81.00 per month Electricity:50.00 per month Gas:50.00 per month Water: 50.00 per month Internet:30.00 per month Groceries:100.00 per fortnight Petrol:90.00 per weekDebt: Loan: 45,936.13 13.44 interest, loan maturity date is March 2022 Credit Card: 831.44 13.49 interest, interest free period on purchases for 55 days Education: 16,000 approx. 0 interestIdeally, I would like to save approximately 500 per fortnight, as well as paying off my debts. I have the option of putting all savings onto my personal loan and then re-draw the amount later if needed no fees to do this. TLDR: I earn okay money, I have debt, but cant seem to get ahead. Please help!  <response>: Apart from what the others have mentioned, have you also considered lowering the relatively minor expenses such as your phone costs? I pay about 18month and its a pretty decent plan. With groceries, you could consider shopping around a little more and trying lower premium brands. 