<prompt> Human: Hi. Background: 18 yo NYU student on scholarship but still taking out 30,000yr in PLUS loans to be able to attend. Studying: pre-med and Photography. Ive had jobs all throughout high school to be able to spend money comfortably but I foolishly didnt make any sort of savings for myself. Now, living in NYC, I get a very small allowance per month from my parents theyre in no financial position to provide more than they already do and originally had a very small part time job working only 4 hours a week. This wasnt enough to cover the costs of living in the city and I accrued about 600 in credit card debt during this time. Going into second semester, I will have two jobs working a reasonable number of hours and I also worked through winter break and after an emergency payment will have about 500 left over to myself at the start of the semester. What would be the smartest way to budget my money that I make, while possibly savinginvesting to make a little extra cash in addition to my two jobs. I might add that Ive been in a very spendy mindset ruminating over things I want to buy when I have money lately despite being frugal with the little money I do currently have.Thanks in advance.  <response>: Put all your money towards your credit cardsloans and build an emergency fund. You dont need to be investing with student loans. That simple. 