<prompt> Human: Breakdown of my costs if paid weekly 150 Rent This cannot be changed at least for another year 50 Insurance Have looked and this is the cheapest for my needs 25 Electricity limit usage? 25 Gas limit usage? 10 Water Rates limit usage? 310 Loan Repayments 30,000.. i know.. i know.. 50 Doctor costs I am diabetic,and medical visits, cant be changed 40 Phone Bill Locked in till Mid 2017 5 Netflix rounded up to 5 luxury 1 25 Internet luxury 2 50 Dogs Tablets Ongoing treatment for health cannot change ammt 20 Council rates once again, cannot change 20 Supplements for my Health could eliminate possibly 40 Food its low, college low I live with someone so these costs are my share of costs, some costs are quite high, but some stuff cannot be changed. My question is, if every week my pay is gone the moment it comes in and i want to pay my loan off and start a savings account and have money to myself, what do i do? Another job, but then the stress of another job could do me in Higher paying job in the location i am from, this is pretty close to the highest i can get without qualificationsSell random stuff to pay debt off slowly etc... Dave Ramsays snowball effect method dont work for me as its not little nagging debts, its one big bill. I just want out of debt and to not get paid then pay bills then worry a week about spending money i shouldnt or not sleeping because i want another way out. any help is appreciated  <response>: You need to read this. The way out is to pay off the debt. If these are student loan, SOFI.com may help for a better intrest rate. Other option, increase income, or lower expenses. The major things I can see are the dog tablets not sure what they are, but the are not needed, they have to go and your health supplements I assume these are vitaminsInternet and netflix can also go; we are in panic mode. 