<prompt> Human: I graduated from a Top UC in December 2013 with a major in Political Science. From Dec 13 to March I worked part time as a file clerk. I then MOVED IN WITH MY FATHER. From March to August, I worked part time for dad but also studied for LSAT, slept, rested, partied, traveled... In September I got a full time job as an administrative assistant at a law firm. I THEN MOVED IN WITH MY MOTHER I do not own a car but I use my sisters car occasionally and give her gas money. My mother works full time at minimum wage and my sister works 10 hours a week for minimum wage.At my company, I am able to enroll in their 401K program, I have dental, vision, and medical insurance. I get vacation and sick days after 6 months. I will be able to get a 500 bonus every quarter as well. I have a flexible schedule as well.Monthly Income: 2,600 After Taxes Income: 2300 Travel Stipend: 150 TOTAL INCOME: 2450 EXPENSES Phone bills 240 metropcs family plan 4 lines 150, My iphone sprint bill 90 Yeah, I have 19 yr old and 20 yr old brothers who dont have jobs and dont pitch in their share. but if I dont pay bill then my sister and mom wont have serviceI will not pay the payment next month. I will try to convince mother and sister to pay their own share. My brothers will have no service if they dont work. Rent 200 I live with my mom Gasoline 20 Gym Sister and Me 60 Public Transportation 50 Netflix12 Food including groceries, restaurants, fast food 500 I buy most of the household groceries. My mother works full time at minimum wage and my sister works 10 hours a week for minimum wage. Clothes and other shopping 400 DEBT School Loans 31,000 I dont have to start paying until May 2015 Credit Card debt 5000 2,500 of my credit card debt is from Identity Theft. It was for a Verizon account. I have never opened a Verizon Account Do you recommend saving for an emergency fund first, then pay credit card debt, and then start paying off student loans?Should I be able to find a better paying job soon?Thank you for the advice and let me know if I need to clarify anything.  <response>: Recent graduated 3 years ago college grad here, also making about 30,000. Cut down on the clothes and other shopping, theres no reason you should be spending 400 on that a month on clothes and other shopping. Cut that down to about 200 for stuff you NEED and the occasional I get paid tomorrow, might as well do something fun tonight scenario. In regards to food Id try to cut that down to roughly 300 a month, but you could also manage less. 