Go away , grandma . <| sep |> So you ' re trying to show off the shit you don ' t buy ? Same difference . <| sep |> Cut smoking and netflix . Prioitize high interest and pay those off first . Maybe ride share to work if possible . Maybe downsize your phone to something more manageable . Sell personal items . Pick up sone freelance work from online as a translator or something . I dont know your taxes someone can correct me if im wrong on my math . But its about $ 720 . 00 per month for rent utilities entertainment . $ 2000 . 00 overdraft and mom first . Focus the two months after on high personal loan interest . Student loan pay what you can that the gov allows as minimum . Then start focus on saving money . These 3 months will be so critical to you . You must have major disciplin .