Sure , I ' ll bite . It ' s a cool game on PC . <| sep |> Wait so I get Warlords automatically if I get Legion ? <| sep |> I love the dialogue options in this game <| sep |> Which Mistake ? 1 , 2 , or 3 ? <| sep |> I mean if you can afford it now I ' d just get it now <| sep |> The Bitcoin ecosystem can retool for any other Crypto faster than you would ever imagine . There is no ' too big to fail ' in crypto . If users move on , they move fast . <| sep |> Also , don ' t forget have a look OzBargain ! That SSD deal from Amazon yesterday was pretty insane . <| sep |> Get him a coat <| sep |> Here ' s my advice to you 1 . Don ' t get payday loans . 2 . Exhaust every possible means before you do anything that would result in bad credit score . 3 . Start by cutting nonessentials , no matter how small . It ' s not always money . It ' s about setting the right mentality . That $ 5 month for Spotify , yeah , get rid of that . You don ' t have to listen to music to live . When you start thinking in terms of value , you will realize how much you can change . 4 . Read # 35 . Read # 3 again ! Now specific tips for your situation . 1 . Your phone bill seems pretty high . It is just one line , two lines , family plan ? Are you sure you have found the best deal on your phone plan ? You don ' t need the BEST provider out there . TMobile or low cost prepaid provider is acceptable too if that means saving extra $ 50 a month . 2 . Are you sure your car insurance is the best deal you can get ? Have you shopped around exhaustively well ? 3 . SAVE , yes , even if you are in debt , save ! It doesn ' t matter if it ' s $ 10 or even $ 5 every month . If you have a $ 500 debt , putting that extra $ 5 towards savings instead of bringing your debt to $ 495 is a big difference . 4 . Once you have paid down your debt , get into a habit of saving 20 % of your monthly income . If you make $ 1000 month , your lifestyle choices should be planned based on $ 800 month . Going in debt once is a while is fine but you should NEVER plan your lifestyle based off $ 1000 month earnings . 5 . Get credit cards , yes . Some people may advice you against it . Think of credit cards NOT as something to fill in the gap when you don ' t have money . But as an emergency safety net . 6 . Yes , try to get a better job , not to live a better lifestyle but to get out of debt first . Once you get out of debt , continue living your life as if you are still in debt . That extra money ? ALL of that goes to savings . NOW get another better job and now you can upgrade your lifestyle to your LAST job . Your lifestyle should ALWAYS be one step behind how much your job can support .