And then Ascended Jake gives you 99 . 999 hp . <| sep |> I ' m not surprised using force fields on carriers didn ' t work well ! <| sep |> To add to this comment , investigate using an ' envelope system '. Once you set your monthly budget and you have say 50 bucks for ' mad money ' or ' blow money ' take that 50 bucks from the bank and put it in an envelope . Once that 50 bucks is gone , then you ' re done . No more random spending . Anticipate expenses that only come up a couple times a year Things like oil changes for your car fall into this category , then add a line to your budget that slowly builds this fund up . Even 10 bucks a month will slowly add up . When it ' s time for the oil change , you ' ve already prepared yourself for that expenditure . Before you start hammering your debt down start building up an emergency fund . In OPs case , $ 500 should do it . Once you have that $ 500 socked away leave it alone and only use it for emergencies . Death of a family member and traveling to a funeral , unexpected car repairs that couldn ' t have been foreseen , or a job loss fall into this category . Pizza on a Friday night is not an emergency . Neither is Xmas . You already know Xmas is coming so you should have a small amount going into an envelope specifically for Xmas spending .