MyProtein Cookies n Cream <| sep |> Passion is contagious and a universally attractive trait for anyone to have . We associate playfulness , creativity , focused passion and energy as signs of youth and overall wellbeing . Passions make for great conversations and engagement . I don ' t know that there ' s anything higher on my list of attractive traits <| sep |> I would recommend tracking and accounting for all that you spend in a little note book . This will help you realize what you are spending money on and might even make you reconsider buying something you don ' t need if you have to get the book out and write it in after you buy something . Make a budget that has every penny you make on one side and every penny you spend on the other . Both sides of the budget should balance to 0 each month , or each 2 weeks depending on what amount of time you want to have for each budget . This means you have to include paying debts and saving money as part of the spending side . Try to cut back on things you don ' t need to buy , get deals on things you do need to buy . Maybe make homemade cards or gifts for birthdays and stuff like that . You can separate your spending side into mandatory expenses , which will be rent , car payments etc . AND minimum debt payments . These are the things you have to pay each month if you split it into a biweekly budget be sure to split each payment accordingly . I would also recommend having a certain amount for savings put into the mandatory expenditures . You can also have a certain budget for entertainment and for gifts and things like this . If you need to save up 2000 for a trip in 10 months you will need to set aside 200 each month for that . You can do this for everything that you need to save up for . Once all of that is done any money left over will be extra . If you don ' t have money left over you need to either make more money or spend less money . Try to make it a fun challenge to spend the least amount of money possible and have short term , medium term , and long term goals . The left over money from each budget should be put towards paying off debt . You are going to want to arrange your debts based on interest rate and pay off the debt with the highest interest rate first . Since you will already be paying off minimum payments on each debt just focus on putting all extra money to the first debt until it ' s payed off and then move to the next one . If you can change a debt with high interest to low interest you might want to consider that . Like using more of a student loan to pay off a credit card then paying off the student loan over time instead of the credit card because it has lower interest rate . This can be complicated though . Try to not spend money you don ' t have so stop using credit cards and if there is something like like save for it and get it later rather than getting it now and paying later . DO NOT cancel your credit cards as this will likely fuck your credit score , making it harder for you to get a mortgage or whatever in the future . Just pay them off and then cut them up and throw them away if you like but just allow them to expire and don ' t renew them . This won ' t affect your credit score . Some extra tips is to sell some things you no longer need and to look around for extra monthly fees that you are paying . I ' m sure you have a bank account and there is likely a monthly charge for that account . If you have multiple accounts there will likely be a monthly charge for each account and maybe you can get rid of some or choose a cheaper account if it works for you . Be sure to include every payment in your budget otherwise it won ' t work so well . Get into the mindset of sacrificing now so that you can have more later and think about what you will want to do down the road . Try some free hobbies like going for walks or drawing .