<prompt> Human: Note: Im posting on mobile, but I can edit with more specific numbers when Im back at my PC.Ive been a long time lurker of the sun, and Im hoping you guys can give me some advice on what I should do. Before we get into my situation, let me give you a breakdown of what my finances look like, if Im missing anything please let me know 65k salary pretax, my GF makes roughly 40k pretaxroughly 110k in student loans 90k in private, the rest in federal, 1085 a month for the private loans, 210 for the federal 4.5k in credit card debt on a 5k card500 in savings, less than 1k in checkin after my loan payments rent and utilities roughly 1.7k roughly 2-3k in other expenses again, Im on mobile so thats a rough estimateIm 24, living with my longtime girlfriend, and Im planning on proposing to her in a few months. I have a ring picked out and a small 200 down payment on the stone just to hold it. Im planning on using my EOY work bonus to pay for the ring, and Im going to probably take out another credit card just for the ring that Ill pay off with the bonus. It would be about 3 months between paying for the ring and then paying the card off, plus Ill be making additional payments between now and then. Im planning on doing it while were on vacation with our close friends, so even though thats more expenses, it wont all be on me. I just feel so overwhelmed with everything and I dont know what I can do to make it easier on myself. I just got a nice raise at work that goes into effect in August, but even then, idk what else I can do. I try to budget as best as I can, but right now Im 3k overbudget for the month. We did a ton of traveling from May until last weekend, so that wiped us out so to say. I was thinking of applying for forbearance on my federal loans, so that money can be used for my credit card debt and more towards the ringextra travel. But what do you guys think? Any feedback or other suggestions are more than welcome!  <response>: and Im going to probably take out another credit card just for the ring that Ill pay off with the bonus.Stop it. Seriously, stop. Debt isnt a blessing to you and if you find yourself in a hole, you need to stop digging before doing anything else. Youre going to fail with finances if you keep spending outrageous sums of money or even small sums that you dont have, go on vacation, etc.Stop traveling, get a part time job, and go from there. Pay off your debts from smallest balance to biggest and start living on about 30k a year. Youre going to need to cut your expenses to the bone because you are in a totally unsustainable situation and spending more now only makes it worse. 