<prompt> Human: This is my first Reddit post, so bear with me:I will be receiving at least 25,000 next month from a family member, and Im looking for advice on where to allocate the money. I am currently 95,000 in debt: 2 Credit Cards: 5,000, 0 interest on both until January 2017, 50month Medical bill: 2,000, 0 interest, 25month Personal Loan: 6,500, 11.49 interest, 250month Student Loan A: 12,500, 6.5 interest, 110month deferred until January 2017, amount rises every two years for 10 years Student Loan B: 13,000, 6.5 interest, 120month deferred until January 2017, amount rises every two years for 10 years Car Note: 20,000, 3.69 interest, 520month Student Loan C: 36,000, 3.75 interest, 170month deferred until January 2017, amount rises every two years for 25 years Currently, my budget is the following I make 4,650month after taxes: Rent: 1,450 Car Note: 520 CableInternet: 125 Phone: 95 Gas: 150 Electricity: 100 Food: 900 Student Loans starting in January: 400 Personal Loan: 250 Others Netflix, gym, eating out, toiletries, etc: 500As you can see, my budget is pretty tight now Ive done all i can to cut it down, especially food, but I cant get it any lower. I am taking care of my gf at the moment also she isnt working but looking for a job, and I also have a cat to feed. Im looking to use the 25,000 to free up some money month to month, but I cant think of the best method to do that. So far my options were: Pay off the credit cards, medical bill and the personal loan to free up 300month, then only have the car notestudent loans remaining. Save the remaining money since I dont have any savings and that would cover 3 months savings Pay off the credit cards, medical bill, the personal loan AND most of a student loan to free up 400month, then only have the car noteremaining student loans remaining. No money left for savings Pay off the car note and free up 520month. Save the remaining money Pay off two student loans and free up 200month down the line. No money remaining The avalanchesnowball method says to go with step one or i think, not sure how the 0 APR til January figures in, but Ramsey would likely go with step two after saving 1,000. What would yall suggest I do?Assistant: You cant get your food any lower than 900?! How many people are you feeding?Human: Just me, my gf and a cat. Plus Im bulking rfitness represent, so I have to eat easily 3,500 calories a day to gain a pound a week. It should get to sub 600 once I start cutting in a few monthsAssistant: What are you eating to bulk? Caviar? Gold bullion? Take a look into rEatCheapAndHealthy because 900 dollarydoos a month on food for 2 people and a cat is ridiculous. Human: Cool, will do! And whats a normal range to spend on food a month? First job out of college, so Im not gonna say I know what Im doing Assistant: Plan your meals! I feed my girlfriend and myself on less than 300 a month. Even if youre bulking, I bet you can shave off at least half of the 900 a month youre spending now. Budgetbytes is a great resource. Plus tons of subreddits. Human: 300month!!! Wow, if i can get it down to that, all my problems would be solved... Every 4-6 days I buy stuff like a family bag of tilapia chicken, beef, pasta, fruits, veggies, two gallons of milk, snacks, etc, and with that and random stuff like kitty litterfood, toiletries and all that, Id be lucky to spend less than 100 a trip. Not including eating at work  <response>: snackstrust me mate this is where youre going wrong. I have to hit 4000cals on less than 50 bucks a week, and its definitely do-able. Just simple shit like peanut butter sandwiches and pasta fill like half of your TDEE, and then worry about dinner with the missus. Otherwise you end up trying to hit 1000 cals with muesli bars.Also stop buying a coffee or something at work, add up how much you spend a year on it and think about that figure every time you go to buy something there. 