<prompt> Human: Hope this is the right place, Im new to this sub and Ive been looking around and I think this type of post is okay.. if its not, could anyone direct me to a better sub? Thanks in advanceOkay so here is my situation:All the writing in italics is just background info which you can probably skip, Ive just generalized things and made timelinesevents very brief to give you an overall ideaStraight out of school, I went to TAFE where I studied a Diploma in IT Networking. Things were not going so well for me, and my dad offered me a full time job at his construction company. I ended up deciding to leave TAFE and abandon my diploma, because I was not doing well and did not like it that much. From there I was made into a Health and Safety Officer, where I done a few courses WHSO course, plus a cert 4 in Health and Safety.It was my first job, but I was earning a LOT of money 800 a week, so being young and having loads of cash, I decided to take out a loan for 20k and bought a car.Later on that year I met a girl and we started dating. Fast forward 1.5 years and I lose my job due to a conflict with a manager I decided to leave because working for family was creating tension and not working to well and one of the mangers there was making my life very hard. By this point I had 3000 worth of credit card debt due to stupid decisions and generally being an idiot with money.I then moved to another small construction company as a laborer really not my thing. Fast forward another year and due to stupidity unforeseen circumstances accidents bills, I am at 6500 credit card debt. A year later, present time, Ive moved in with my sister.My debt situation: Car Loan: 15,600 left - Repayments: 120 a Week - 13.90 P.A, Variable Rate Credit Card: 6500 - Repayments: 130 a Month - 19.74 P.A TV Finance: 1000 to go - Repayments: 80 a Month Ipad bill: 700 to cancel and pay out, or 120 a month for 7 monthsMy other expenses are: Rent: 80 a Week Fuel: 80 a Week Food: 80 a Week Phone: 86 a Month InternetHome phone: 65 a Month Loan Insurance: 30 a Month Entertainment Misc spending: 90 a Month Car Services: 200 a Quarter Rego: 345 every 6 Months Car Insurance: Either 110 a Month OR 1200 a year Due next monthWhere I want to beMy main goal is, sometime this year I would like to start a course for a Cert 4 in Human Resources. I can start the course whenever I want, there are 10 units, each unit costs 480 and takes roughly a month to complete, however I can do it at my own pace and pay as I go, per unit.I also really want to move out of my sisters house and move in with my girlfriend, however that would mean I have to pay 300 rent a week, plus all her bills which include: Cigarettes Yuck I know: 50 a Week Extra Food: Total combined 100 a Week Her Phone: 50 a Month Electricity: 320 a Quarter Gas: 150 a QuarterMy Income:I currently earn 800 a week. Sometimes its as low as 740, other times its as high as 1200, but MOST weeks its around 800. I do some work for friends family including mowing lawns, cleaning fish tanks, photography etc. which makes me around 100 - 150 a month. My Plan Which May Be TerribleI currently have 4000 in the bank in savings. My plan is: Stay at my sisters another 3 months, which will save me hopefully 2000 by the third month Pay off Ipads in Full this week for 700 Pay off TV in Full this week for 1000 Re-finance my loan this week up to 24900, variable rate, 7 year period Up from 3.5 years, repayments: 124 a Week Use money from loan to pay off and cancel credit card, leaving me 2000 Use 2000 plus remaining savings 2300 to pay for course Ask my parents my girlfriends parents if they will help us pay for a bond on a new cheaper unit Currently my girlfriend pays 340 a week, I want to find somewhere cheaper for 300 a week and use the savings between now and 3 months time living at my sisters house, to pay for any other bills possibly pay my insurance yearly, so I dont have to worry about paying it monthlySo what do you guys think? Any help would be greatly appreciated. Im actually heading off to bed now because I have work tomorrow, but I will try answer any and all questions straight away tomorrow morning. Thank you all very, very, very much in advance. Im kinda stressing out hard right now haha Assistant: I think its a good idea to use any savings you have to pay off your high interest debts. Savings arent really savings if you have debt. Obviously if you really want to save money, Im sure you could get away with a cheaper car, but you probably dont want to. If youre gonna go ahead with the re-financing thing, I would make sure that you can choose to pay it off sooner than 7 years, and increase your payments to as much as you can afford. Does your girlfriend not work? Why would you be paying for ALL the rent and bills?Human: Unfortunately she does not work. She has a 4 year old son, and currently in Australia, unmarried mothers are given benefits from the government. As soon as I move in with her, we enter into a Defacto relationship, which would mean that she would no longer recieve any benefits. I could potentially just live with my sister for another year, but there are several factors which make me want to move in with my girlfriend and do this course ASAP: - I hate relying on others for money, so I want to get to a position where I can support my girlfriend myself. - my job is not very secure right now, so I want to make myself more attractive to potential future employers, and I think HR would fit me nicely, and it also goes hand in hand with my health and safety cert. - I thought about selling my car, however it would mean needing to buy a cheap, potentially unreliable car and I would still have to think about my other debts and the course I would like to do. - if I go ahead with the loan, I will be going variable rate, which means I have the option to pay it off as quickly as I like, if Im able to afford more payments. Basically any overtime I do would hopefully go into the loan, and if all goes well with my course, I hope to have a higher earning job within the next 2-5 years. Thanks again for your reply  <response>: I realize that moving in with your girlfriend is what you want, but it does not sound like a smart decision for either of you. I am making the assumption that by moving in with her she will lose government assistance? You need to be realistic about this. Spending a little more time living with your sister will help you get out of debt a lot faster. This will also give your girlfriend time to work on her own finances. By that I mean quitting smoking and getting some job training. She is very lucky to have access to government assistance and needs to use that to make herself more employable. She needs to do this for herself and her child. It is awesome that she has you, but she should not be looking to you for saving. She needs to save herself and you need to save you. Once you are both on stable financial footing then you can start talking about moving in together. Until then it is based on the info you have provided a terrible financial decision for both of you.Good luck man, you have already passed the hardest milestone by admitting to yourself that you need to change how you spend and use money. You can do it! 