<prompt> Human: Hey PF so I just wanted to ask if I can even live comfortably still with all that I have going on. So first off I have an outstanding hospital bill of about 1.2k that my dad refuses to help me with even though its his insurance and Im his kid lol, really think that should be my first prioriety but I dont know how to make a payment plan towards it. Ive got great credit, around 760 and I dont want it to get smashed because of these bills and my inability to budget. I make about 950 every 2 weeks so my income isnt bad at all Id think for my age. Im also aiming to get a more reliable car by hopefully january-march if I can budget correctly and sell my current one for about 1500. So besides a big tattoo im getting in the next 2 weeks I have no other outstanding expensenses besides my car insurance which is 230 on the 15th of every month and my phone bill which is 60. So reddit, how can I hopefully take care of all of this and still have a decent amount of spending money? I work 40 hours a week in an office so I suppose I could consider getting a second job and I also live in NY so cost of living is quite high. TL;DR Hospital bill, new car by january-march making about 950 every 2 weeks. I apologize for formatting, on mobile :  <response>: So first off I have an outstanding hospital bill of about 1.2k that my dad refuses to help me with even though its his insurance and Im his kid lolAnd it was you who went to the hospital for whatever reason. Its your bill not his. Also you arent a child. Call the hospital and they will work out a payment plan with you So besides a big tattoo im getting in the next 2 weeksIf you get a tattoo instead of paying off an outstanding medical bill you are a fool.OK so obvious stuff out of the way, need more details on your expenses to give you specifics. The basic premise is earn more than you spend. So figure out how much you earn, 1900 a month, and spend as much under that as you can. Its not magic or rocket science or luck, but discipline. Look in to Mint.com to help track your epenses and set a budget. Stick to it. Things like that tattoo should be planned for and bought when you know you can afford it. Put extra each month into a savings account for the car. How much you need depends on the car you want. Get something used and look for financing from a bank rather than the dealer. Carmax was a great experience for me except they tried to bend me over on financing, went to my bank and they gave me a reasonable loan 2 vs Carmaxs 19 O_o. Start looking now to get an idea of what you want and how much it will cost. Or better yet figure out what you can afford and look for the best car in your price range.Edit - something like this for your expenses would be nice for us to help you:Housing - 700Groceries - 150Going out - 300Car insurance - 230...Total - xxxIf you dont know this Mint will be a great tool for you to help figure this out. Seriously, this more than anything will help you with any of your financial goals. 