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honey-smile t1_j24l3n1 wrote

Four things are really high in your budget -

  1. Phone
  2. Electric
  3. Eating out
  4. Internet

Shop around/take steps to reduce usage. There’s cheaper options there that can likely save you a few hundred a month. r/frugal is a good place to look.

If you don’t need the car for commuting/daily tasks like groceries then I would sell it. Get an electric bike or something. You can host more things at your house, ask friends to pick you up, or Uber. It would likely all still be cheaper than your current payment + insurance and gas.

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