<prompt> Human: Hi guys. This is my first post here.I am a 24 year old male studying and working a part time job.I have a big personal flaw which I am trying to adress, and that is that when the going gets tough, I can sometimes bury my head and try to ignore the problem. One of those problems is my finances.The consequences of my actions, or lack thereof, is that I owe 1200 to my credit card company. I also have a possibly unsustainable lifestyle with my current income. To lay it down for you, this is my current situation:Monthly income:1600Expenses:830 for rent and parking 56 phone bill45 transportation which totals 931. I have included internet, TV, electricity in rent. As you an see, well over 50 of my income is gone to rent, phone and transportation already. My paycheck is not set in stone. I recieve student loan and scholarship which basically covers my rent, however what I make is wildly fluctuating because I work shifts, and the people making the shift plans are retarded. I believe the first step here is to make more money, i.e find another job which pays better and a more predictable income. I have already taken steps to cut costs, and Ive put 55 into a savings account. I hope to be able to at least put 55 every month, but I want to increase this number. My first course of action is to pay down my credit card. Any tips on the best way going forward? I live in Norway and some of the terms you guys use like ARP and whatnot I dont really understand. Im sorry. I tried checking out mint, YNAB etc but the feature where you can hook your account to your bank account isnt supported here, so I guess I should just save all my reciepts and log everything I buy?Generally speaking, any help as far as what I should do is very much appreciated. If you need any information I will gladly oblige, Im not sure what you guys need to know to help me out.Assistant: OK, you make 1600 a month and have 931 in expenses. Where is the rest going? You have 669 unaccounted for? If youre spending that much on food youre spending way too much.If youre living alone you should be able to keep food costs down to about 250 to 300 a month, meaning you can easily put 350 a month toward your credit card. So you can have that paid off in 4-5 months, depending on interest.If you dont want to use YNAB or Mint just make a spreadsheet. Google docs is free and works great. List all your bills, when theyre due, and how much they are. Total that up, and subtract it from your income. Budget the rest for food, credit cards, and whatever else you want.Youre making enough money to handle your current situation. Youre just not handling it properly.Human: Well, 295 goes to tobacco Im afraid. Ive been working on cutting my consumption into half, i.e get it down to 150 instead. So far its going well. My snus or dry tobacco use has been out of control for years. I have opened a trial account for YNAB. Would you say its worth it even if I cant use all the features that americans get? Assistant: Sorry dude, gotta quit. You cant afford to use.Human: I will take that as a challenge.Seriously though, I will heavily reduce my expenses on this one thing. I just dont feel I can give it up right now. I am dieting and quitting at the same time would just murder me  <response>: No, dipping is murdering you. I have a tabacco problem as well. Its literally the devil ...good luck. 