We ' ll just try super hard to give them one . <| sep |> Just to add to the list , all I suggest you do first is consider consolidating your bad debts into one repayment if at all possible to preserve your credit , you have to keep your credit now or it will come back to haunt you . The way it should work is you are given structured biweekly payments that you can afford , and how long the term will be shows you how much additional interest there is . Your most major expense , the cost of living is best reduced through economies of scale , the same concept as in everyone chipping in for pizza and wings . In your case , this didn ' t work out with the roommates unfortunately but with the right people , who have steady income , this could benefit you . As mentioned , reduce the phone bill . As a final tip , here ' s a better way to look at it never consider what something costs by the month . The phone costs you $ 1440 year . All you need is a different perspective . Be thankful of your job , and relationship and everything can work out if you act smart about it .