phone bill is way to high . I have an s 7 and get unlimited data from tmobile for only 70 dollars a month . I pay 50 dollars a month for service , so after I ' m done paying off my phone I ' ll be paying 50 . Spotify IMO is worth it . 5 dollars is not much and you get a lot of entertainment out of it . I fucking despise ads which is why I pay for it , my brother doesn ' t mind ads and he would rather just not pay for it . it ' s preference , you don ' t need to but its 5 dollars and that ' s really nothing in the long run . I would probably work on getting that bed paid off asap . It ' s only 180 and you could pay that off fairly quickly and it ' ll be extra income you have to pay off the credit card . Maybe look on craiglist for some quick side jobs just to pay off the bed . then you could throw all that money into the cc I ' d also try to find cheaper insurance . of course if you have gotten ticketsaccidents in the past then you ' ll just have to drive safely until the rates go down . I would look in to accident forgiveness . You don ' t have a lot of debt , so you can easily pay these off , just throw all your extra money into them . Id also look for a higher paying job and work more if you can . I ' m in school right now and I ' m making the same amount as you at my regular job and I ' m getting 17 an hour for my internship . Pay off debts , and look for higher income would be my advice .