<prompt> Human: Im a young girl 24 just moved in the US 2 years ago, currently renting an apartment for 1.2kmon in Chicago that I signed the lease on impulse just because its my dream apartment, I make 60k a year, but have absolutely no savings. Most of my money went to vacations. My landlord has now increased my rent to 1350, and now that I know how hard life is I now realize I cannot afford this and live pay check to paycheck. My total debt right now is around 18k car credit car. Need PF advice if I could buy a house without any down payment, I have 8k on my 403b I dont really wanna touch it. Or should I just continue with my lease and save until next year. Please PF what would you do if you were in my situation?  <response>: My suggestion would be to find a cheaper rental. 