<prompt> Human: So like I said, Im 20 and have no clue what Im doing with money. I just kinda spend it and save some here and there. I make 50k a year and have 15k in debt right now between credit cards, auto loan, and one year of federal student loans. Any advice on cutting down debt so I can buy a house would be fantastic.TL;DR 50k a year, 15k in debt. How to cut down on debt and save for a house?Assistant: Good. You listed your income. Making 50k a year equates to roughly 4,000 before tax, roughyl 3,000 afterwards. Now give us a rough list of your expenses, like cost of rent, utilities, food, car, insurance, and other miscellaneous charges you might go through in a month. Try to scrutinize every small charge, trying to save as much as possible. If you have no clue how to save, AUTOMATE those savings. Each month, transfer 1,000 or some other amount into savings. Find a reasonable number, and make it automatic so you dont see the big amount in your main checking account.Human: Roughly 500 on foodgroceries, 300 to auto loan, 185 to insurance, and 150 to rent shared rent in cheap apartment. I also spend roughly 150 on gas because I drive a long way but cant complain because of cheap rent  <response>: Learn to cook for yourself. You can save quite a bit there that will go a long ways to paying off debit. A formal written budget where you track every dollar will help you too to find out where money is going. 