<prompt> Human: I make 2006 to 2100 a month depending if I freelance with my second job I live in NJ cost of living is extremely high my debt is the following :Spotify 10.68Retro 21.39Citi bank 45Netflix 8.55IPsy 10.00Car payment 340 in less than a year it will be paid offMy mom helps me with phone bill and insurance. Apartments near me are no less than 1,000. Can I afford this with my income?  <response>: No, you cant afford to spend half your income on rent. You should put together a budget that includes normal expenses like groceries, utilities, gas, car insurance, entertainment, and a cell phone bill to see what you can afford. 